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 Posted: Thu Jun 14, 2007 3:49 am Subject: CRazy |
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ok so i got something from island national group llc and the name on it isnt even mine... my name is nikki NOT nicole and the middle initial is even different and i called this island people and they said they would get it off of my credit but yet they havent anyone else with that problem?
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nkey13
Joined: 14 Jun 2007
Posts: 1
Debtcc Points: 54
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| Posted: Thu Jun 14, 2007 5:17 am Subject: |
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Send them a debt validation letter/....it is their responsiblity to proof to you that the debt is in fact yours!
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Passion...it is born...and though uninvited, unwelcome, unwwanted...like a cancer, it takes root. It festers. It bleeds. It scabs...Only to rupture and bleed anew. It grows...it thrives...until it consumes. It lives...and so it must die....in time.
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Leah
Debt Samaritan
Joined: 04 Mar 2007
Posts: 2333
Debtcc Points: 50556
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| Posted: Thu Jun 14, 2007 11:21 am Subject: |
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Refer to the fdcpa laws, Section 809 (b) for inaccurate reporting on your credit. If island national group doesn't remove the item from your credit, file a lawsuit with the help of an attorney. It will be a win win case for you.
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a_neblat
Joined: 10 Aug 2006
Posts: 407
Debtcc Points: 5814
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| Posted: Thu Jun 14, 2007 11:51 am Subject: |
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Are they even on your credit report? Have you checked? You can get a free copy of your credit report once a year from all three credit reporting agencies.
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Working my way out of this debt, one day at a time!
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fedupinpa
Moderator
Joined: 22 Jan 2007
Posts: 1646
Debtcc Points: 21413
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| Posted: Thu Jun 14, 2007 1:44 pm Subject: |
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Is this in relation to a payday loan, do you think? If the debt is not yours, you need to make them provide validation.
Also, if it's a payday loan, chances are good that it's not going to show up on your credit report.
However, as fedupinpa mentioned above, it's a good idea to pull your credit reports just to be sure. Go to annualcreditreport.com and obtain a copy of your report from all three bureaus - it's free, once per year, or when you've been denied credit. There's no program to sign up for or fees to pay.
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A journey of a thousand miles begins with a single step...and becoming debt free is a journey!
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SUEBEEHONEY70
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Joined: 12 Oct 2006
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