0 People Helped
Member Since: January 2016
Yes it is . They base your credit on your credit score and this can cause your car insurance to be highter.
Bea7575's response was:
Enter Your ReplyYes let them know you are a victim of ID theft and put a block on your credit reports all three of them it will stay on there for 7 years until you take it off. Let the Companies know that you are a victim of ID theft.
Bea7575's reply was:
Enter Your ReplyFine out who got the car and tell them to let you see the paper works that the person signed they have a write to tell you and show you the signature. If they don't you can sue them for receiving information from another person. They have to show you the documentd the person signed may sure you have your ID to show you never got the car.
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You are so right if you contact any Company you owe they can start a sue against you and it will stay on your credit report for 2 years with Equifax with that Company but they will turn it over to a collection agency to collect for them and there is more money because they charge extra money to collect the debt, but you can write them a letter and say to them I owe you nothing of which you don't owe the collection agency, you owe the Company who put them with you. They have to take it off of your credit becuause you don't owe the collection agency any money but a lot of people are afraid to speak for them selves they get scared but not me. I will contact the collection agency in a heart beat. I know because I did and it worked. Never call the Company itself. I have a letter from a bill they say I owe but it has been over 8 years and the statue of limitation is over at 7 years. They are not suppose to try to collect a debt after 7 years but they will still try it. The statue of limitation is 7 years over the United States, it happen to me I was able to get a lot of creditors off of me by sending them letters and I promise you it worked for me. Please don't let Companies like these confuse you They cannot collect on a debt if it's been 7 years but they will try. You have to be firm with them and let them know that the statue is 7 years. Please do not call any Company, if they turn it over to a collection agency send them a letter and say I owe you nothing this is what I did and they had to pull it from my credit report Why because you don't owe the collection agency you owe the Company. Don't contact the Company Please!!!!!! don't, this will make matters worse for you. If you are trying to clean up your credit then do it the legal way. I have tried it all.
I would buy me a home, new furniture, clothes, share with my Children to help them get on their feet, Give to some of my family members to help them out the ones that is strugging trying to pay bills and rent, by me a used car (not a new one but something better than I have. I would also donate to brest cancer to help women who has brest cancer or to prevent it. Being blessed by God, Live my life in small quantanty so that I can live comforably for the rest of my life and my children, Do every thing good to help people in need to better their lives as a whole.