I was checking out my credit report and I seen them on there and I don't even know who they are. It said I owed money but to who? Do I call them and ask or what? please help!!!

[roxette]

HI Jend

If you think that there are no dues from your side, then definitely call them and ask them to show you the hard copy of what they are claiming. Never fall on the trap and always ask for strong evidence...

Roxette

over the past 2 years I had bad credit from having a lot of credit cards and they have been growing interest rates sky high these debt collectors use to call my house and my job and my family until they lost contact with me because of me moving .but I just thought that it will go away until I want to move and the leasing dept took a look at my credit history and turned me down then I realize that I got those credit cards and use them and I changed jobs and lost one but was hopeing to find a job with good benefits and one that I would like to set up my retirement plan an I did and as soon as I stayed 2yrs Asset Acceptance called and we talked about my credit report .and they ask me do I want to clear up some of my bad credit and would I like to make a payment plan one that wont hurt my budget too much and I said yes lets give it a try so every 15th of the month they was aloud to take a fee out of my account which were I agreed to and they worked with me and now I am almost done paying off my bad credit and debt.as I was paying off my credit I was making sure that I got a statement in writting that the debt was paid and removed off my credit report and it feel so good to get some of that negative stuff off my report my credit score is still low but I can establish credit now. Thank you very much for all the help and this site

[Vikas]

Do I call them and ask or what? please help!!!

Do a debt validation, send a debt validation letter. Avoid calling in all cases as it passes on without a proof.

http://www.debtconsolidationcare.com/validation.html , check out the article on debt validation.

Thanks
Vikas

[Vikas]

[img]/forums/attachments//bsm1_864.jpg[/img]

We always stressed on the credit report as it reflects your financial strength or weakness. Always ask your creditors to report the regular payments to the credit bureaus at proper time.

Welcome to the forums and let's help everyone in debt.

Thanks
Vikas

years ago my credit cards were taken out of my home,the people were convicted on racketeering in 5 states and went to jail, my life was threatened and my credit ruined .its been over 7 years and i told asset acceptance my cards were stolen but they keep harrassing me and my wife with annoying calls.my wife put us on a do not call list which they seem to ignor.when i told them they were stolen they asked if a police report had been filed.i told them no and i did not know credit card numbers or who to contact.
the police dept were this incident took place were providing protection for this gang of thugs and i knew they were getting paid to do it.i am not about to file anything with the local pd were it happened and want to forget everything i moved out of state and this asset acceptance is very ignorant to keep calling me.attempts have been made on my life and i want them to stop. any suggestions?

[roxette]

Hi dogxp7

It must be somewhere that Asset acceptance must be calling you for some valid reason which you may have ignored or has not been stated clearly. Try to know the reason first for harassing you so badly and then if you think that you don't have any fault from our side, then take the help of attorney who will sue them.


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It's very necessary to take any action as soon as possible otherwise you won't be able to prevent yourself from any untoward incidence taking place.

Waiting to hear from you soon
Roxette

[benjaminz6]

Originally Posted by jend

I was checking out my credit report and I seen them on there and I don't even know who they are. It said I owed money but to who? Do I call them and ask or what? please help!!!

Asset acceptance specialize in debt acquisition. In other words, you may have taken out credit with one company. However, asset acceptance purchased that debt from that company. So now you are repaying asset acceptance instead of the company where your debt originated.

It is a business practice called accounts receivable. It doesn't affect your end. Through this transaction, Asset Acceptance became your new bill collectors. It is just a business to business transaction. Based on your surprised response to seeing it on your credit, I am assuming that this is what is going on. But just to make sure, contact asset acceptance to verify where that debt originated from.

[Jason]

Hi benjamin,

Great piece of information. Keep up with your useful postings in the forum.

Cheers,
Jason

It is actually not money anymore. The whole economy has shifted based on goods, commodity's and exchange , those kind of positive, solid objects, to where all economy is based on debt and debt only. If someone owes you, you own them, that's why you guys are all going to work everyday cause you owe somebody and they own you to that degree that's why you have to go. That's happening to everybody in the name of commerce. Now the whole schemer is the more debt you control the more you control everything.

[roxette]

Hi dogxp7

Now the whole schemer is the more debt you control the more you control everything.

You have said it nicely but the fact is that we often realize it lately. If we can keep a control over ourselves right from the beginning, then we don't need to face the bad days trying to manage our finance.

Regards
Roxette

I am showing this above referencec account on my credit report. I have no idea what this is. Please e-mail back with creditor info. Thsi is not mine. I had an identiy theft a while back and i am afraid it may have started back. Please reply asap!!!! Thankyou, cindy sluder

[roxette]

Hi CINDY

I think that you once again contact the bureau and get your latest credit report for once more. There might be a possibility of some mistake (if so). Also, I will always ask you to make yourself completely sure before you pay anything. Never start payment of anything for which you are not sure. Always be sure before you start paying anything.

Roxette

Roxette, I need to know more info about this debt. It is not mine. Your company has posted this acct. I want it off of my credit. Please inform me ASAP as to who filed this with you. I owe money but am not in default with anyone. I have to know where this acct started before I can clear it on my credit. It is your company; you should be able to provide me that info!! Cindy

[Pammila]

ASSET ACCEPTANCE, LLC
8181 S. 48th Street #110
PHOENIX, AZ

Original Business Start Date: 01/01/62
Local Start Date: 01/01/03
Type of Entity: Limited Liability Company
Principal: Al Abano, Branch Manager
Customer Service Contact: Sandi Ostler, Legal Administrative Assistant
Phone Number: 586-939-9600
Fax Number: 586-446-7827
Membership Status: yes
Date Joined BBB: 02/20/03
Type of Business: collection agencies

ADDITIONAL BUSINESS NAMES

This company also does business as:

* ASSET ACCEPTANCE CORP;
* CFC FINANCIAL CORP (FORMER);
* CFC FINANCIAL, LLC(former);
* FINANCIAL CREDIT CORPORATION(former) and
* FINANCIAL CREDIT LLC(former).

ADDITIONAL TELEPHONE NUMBERS

Additional phone numbers for this company include:
(602) 414-6900,
(800) 398-0800 and
(800) 398-8814.

ADDITIONAL ADDRESSES

Additional addresses for this company include:
P.O. Box 50700, Phoenix, AZ 85076-0700;
6985 Miller Road, Warren, MI 48092;
P O Box 2036, Warren, MI 48090-2036 and
P.O. Box 2040, Warren, MI 48090-2040.

Found this information with the Better Business Bureau. Might not be the correct directions though.

You should obtain a copy of the credit report direct from one of the major credit reporting agencies that you seen this item listed on, then in that report you will receive the correct address this company branch comes from.

Experian 888-397-3742
Equifax 800-685-1111
TransUnion 800-916-8800

Also recommend reading recent post in ID Theft section on how to handle this account problem. Will need to file a police report, or obtain existing report, will also want to visit FTC site www.ftc.gov to obtain an ID Theft Affidavit and forward these two things to the credit reporting agencies showing this account as well as to the company themselves.

[roxette]

Hi CINDY

I think there is some confusion over here. I just assist and share my views being in this deck and as far as I know this site has nothing to do with that company you are looking for. Anyways, you have been given some more details about that company. Hope you contact them soon and get your problems cleared up.

Keep in touch
Roxette