Ipromiseyou

2 Contributions 2 People Helped

Member Since: October 2013

About Me: This is me.1Quit intimidating me with reducing my score for not taking the offer of free consultation with Lexington Law firm. Or the Credit Card you approved with the highest interest rate. Yet I have the lowest credit score. You show a bill going into collections that has already been paid off. You show credit cards in that are not mine or in my name. You threaten me by telling me you can keep these records on here for 2 years. Even if I pay them off. (Why should I bother?) I am trying to pay off my debts and keep my other bills paid up. You are keeping records up there that are not mine. You are not contacting me when you make changes to my score especially when you bring it down by 20 points as a punishment because I didn't accept your offer. You did hard credit check without my permission that went against my report because I didn't get it. I didn't approve it.
I will be contacting the Website about my rights and your tactics. Why pay this off if you are going to reduce my score.
Thank you, nice doing business with you.
Hope you will enjoy doing business with me soon.

Most Helpful Contribution

Credit card utilization and your credit score

Aug 23, 2014
Helpful to 1 out of 1 people

I wish someone would explain to them that the credit cards are not mine. They were my mothers. She passed away at Thanksgiving of 2013. I am trying to get all of the little bills caught up now. I have 1 income. My disability check. That has to pay my monthly bills and only 1 collection company has been good enough to understand this. They took all of the bills I owed under one (bill) added them together and asked me what I could afford a month I will be finished with that one in October. My mom had a habit of not opening envelopes. I think a lot of the small doctor bills of mine jus accumalated and now they are large and in collection. They have her address on my credit report. The one when she was married to her second husband. In the mean time they are trying to get me to take the best offer on the credit cards. And to go to a free consultation with a law firm of how to handle this situation. I know how to handle this situation. Not to take on a credit card that I will pay a fee for not using and a fee for using. And a law firm that after that consultation isn't going to help unless I pay witht the money I don't have.

If they would just listen I could clear this up. If a lot of the collection agencies were as nice to work with me as the ones I am working with now, the collection agency could get the money they paid for the account. I guess they didn't know that some of us stupid folks didn't know that they bought the account. The money goes to them not the one that provided the service.

Thank you for giving me the advice, and the chance to tell what I have been wanting to yell about to someone that will listen.

I Promise You!

Activity (2 Total Contributions)

Why would a fully paid auto loan, with no late payments, close derogatory?

Nov 05, 2014
Derogatory
Helpful to 1 out of 1 people

Because the car is totaled. It was a lease car with my name and my sons name for my mother.

She's dead. I don't get any mail or phone calls giving me a hard time about this being on my credit report.

Today is November 6,2014 exactly 1 year ago she had the accident. Died November 25th. Honda let it go as you can see the O. ballance.

Credit card utilization and your credit score

Aug 23, 2014
Helpful to 1 out of 1 people

I wish someone would explain to them that the credit cards are not mine. They were my mothers. She passed away at Thanksgiving of 2013. I am trying to get all of the little bills caught up now. I have 1 income. My disability check. That has to pay my monthly bills and only 1 collection company has been good enough to understand this. They took all of the bills I owed under one (bill) added them together and asked me what I could afford a month I will be finished with that one in October. My mom had a habit of not opening envelopes. I think a lot of the small doctor bills of mine jus accumalated and now they are large and in collection. They have her address on my credit report. The one when she was married to her second husband. In the mean time they are trying to get me to take the best offer on the credit cards. And to go to a free consultation with a law firm of how to handle this situation. I know how to handle this situation. Not to take on a credit card that I will pay a fee for not using and a fee for using. And a law firm that after that consultation isn't going to help unless I pay witht the money I don't have.

If they would just listen I could clear this up. If a lot of the collection agencies were as nice to work with me as the ones I am working with now, the collection agency could get the money they paid for the account. I guess they didn't know that some of us stupid folks didn't know that they bought the account. The money goes to them not the one that provided the service.

Thank you for giving me the advice, and the chance to tell what I have been wanting to yell about to someone that will listen.

I Promise You!