Under collections it appeared that it contacted me or was collecting from me in 2004, three years ago when I was 16 yrs. old and didnt' have any credit. I just want to know how can this happen?
2007-12-28 07:51:59 · 7 answers · asked by Anonymous in Business & Finance ➔ Credit
Definitely dispute this item with the credit bureau. It could simply be a keying error. If the creditor fails to verify the debt to the credit bureau, it wil be removed.
However, if the creditor does verify the item, send a certified, return receipt letter to the creditor requesting validation of the debt including contracts or other documentation proving this is your debt. You might also point out to them that in 2004 you were only 16 and have no knowledge of what this debt could be.
Give them 30 days to respond. If they fail to respond, go back to the credit bureau and dispute again with a copy of your validation request, indicating to the credit bureau that the creditor failed to validate the debt. The credit bureau should remove the item.
If the creditor does respond, you should have all the proof that it is not your debt and can dispute to both the creditor and the credit bureau.
2007-12-28 08:34:41 · answer #1 · answered by bdancer222 7 · 1⤊ 0⤋
Immediately dispute this with the credit reporting agency. Bay Area Credit will have 30 days from the request made by the credit repotring agency to verify that the account is actually yours. If they do not respond within the 30 days the account will be removed from your credit.
You can also write to Bay Area Credit Services (there should be contact information on the credit report) telling them you have no knowledge of this account and have them verify the account with you.
It does sound like identity theft. If they can not verify the account as your they have to remove it from your credit.
2007-12-28 08:03:35 · answer #2 · answered by nu_girlie 2 · 1⤊ 0⤋
First, call the company listed (the phone number/address) should be there.
Ask for verification of the debt. After you receive it write them a letter disputing the validity and stating that you were a minor at the time.
Good luck
2007-12-28 08:05:34 · answer #3 · answered by Gem 7 · 0⤊ 0⤋
Well for one thing you can't enter into a binding agreement until you are 18, so it sounds to me like someone was using your identity long before now and it's just catching up with you, or you didn't pay that speeding fine from back in 04.
2007-12-28 08:01:26 · answer #4 · answered by David T 6 · 0⤊ 0⤋
Call them, find out specifically what it is related to, and point out you were a minor at the time the debt was incurred.
2007-12-28 08:00:42 · answer #5 · answered by Sandy Sandals 7 · 0⤊ 0⤋
Identification thief
YOU are one of the victims go to the country court house and ask to speak to the someone who can handle it
2007-12-28 07:55:04 · answer #6 · answered by Anonymous · 0⤊ 1⤋
Could be....Or could be something as dumb as past due library book fees you never paid....I have seen that one b4!
2007-12-28 07:56:24 · answer #7 · answered by ~Goosey~ 2 · 0⤊ 0⤋