Not sure what to do- would appreciate your help
Date: Wed, 04/02/2008 - 09:25
Well, i checked my credit score on a whim, and it is complete crap. I only owe about 5000 total, but they've been festering for three years, so they've really ruined my credit.
I contacted all the creditors only to find out that almost all of them have been sold off. I want to take care of this as soon as possible but i'm not even sure where to begin. The largest debt somehow became 4000 from an attorneys office, but the credit limit on the card only went up to 2000- so it just bewilders me. What should I do??? What steps can I take?
I contacted the original creditors but they won't deal with me now that they're sold off.
How I can positively affect my credit score at this point??
Thank you
Your -ex is a thief and should be treated like one. -I would
Your -ex is a thief and should be treated like one.
-I would contact the ex and give him 30 days to pay the bills before I contact the police and the post office for mail fraud. Sadly, the postal authority would probably prosecute before the police would.
-I would file a police report
-I would dispute the items on the credit report
-I would demand they be taken off my credit report
-I would put an immediate freeze (not just a fraud alert) on my credit reports (all 3)--it should be free.
-I would let the ex know that if he ever does it again, you will prosecute. If you want to prosecute, you may have to talk to the DA as the police consider it a low impact crime and generally don't follow up since the people defrauded (the banks and cc companies) are insured. The police often treat it like ****
allegation between past lovers....they figure that since there was a history between you two, there is somehow less of a crime.
New
[color=Red]****Adult term removed - Jason[/color]
I would, with all due respect, not take that advice. Here's why
I would, with all due respect, not take that advice. Here's why--
when you pay a collection account, it stays on your credit report in most cases. Instead of showing that you owe money, when paid it will say "paid collection" and that will still be a black mark on your credit. It really wont fix much on your credit report. Some places will look at the fact that they are all paid and be happier with it, but they will still be negative entries on your report. Plus, it also has the added side-effect of making you deal with your ex, which sounds like something you arent looking forward to.
I would take everything you have on these debts--every scrap of info you have received about them. And I would put it in a file. I would include any info you obtained about the mailing address being rerouted by him--thats a MAJOR deal. Messing with another person's mail with malicious intent is a felony, and taken quite seriously by the USPS. Anyways, gather all of this stuff together, and pay your local police department a visit. Tell them that you need to report a complaint of identity theft and fraud, because that is what this is. Be sure to include any info you can find about any charges made on these accounts, that took place on dates that were after you two split. In addition to facing criminal charges for this little stunt, he will most likely be financially responsible for the debts as well.
In rereading your post, I need to ask--were the accounts joint accounts? Were they opened when you were still together? If so, then this is not going to be easy to prove fraud. The mail tampering charge will be a different story, how did you find that out anyways?
