372 People Helped
Member Since: June 2011
I'm no attorney but, according to the Fair Debt Collection Lractices Act of 1977, you do NOT have to work with nor tolerate collection agencies. They'll send written notices to attempt to collect that debt prior to anything hitting the credit reports. I've worked for Sears Collections awhile back and this was true then. Here's what to do...... As soon as you get a notice from a bill collector, you must send them what's called a Cease and Desist letter, certified mail, return receipt. This serves as their written notice that you will NOT be working with them.according the the above mentioned Act, you always have the right to work with the original creditor. Once they sign for your certified letter, they can not contact you in ANY way and they can NOT place anything on your credit report. And if they do, that collection agency can be sued for up to 3 times the amount they're attempting to collect from you. Just adding this because not everyone knows this nor their rights when it comes to collection agencies.
I do have a question though....... How come, when I applied for a car loan, was my actual credit score almost 100 points higher than credit karma was stating? I don't think credit karma is accurate.
missy6055's response was:
I just had the same thing happen to me after CK said odds were very good!
missy6055's reply was:
I applied with a 626 credit score and was denied. I've seen reviews written of people getting the card with a much lower score. Unfair!!!