I recently checked my credit report and saw that my husband and I have a real-estate debt through Bank of America... the problem is.. we do not own any property. That is the only odd thing on the credit report. We think it might be his father (they have the same name) but can't get a hold of him to find out.. Anyone have this happen to them? Should I be worried about it? The account is in good standing and is apparently raising our credit score because of the fact that it is a real estate account. :? Rose

I had a check which had bounced back when I lost my job. It was presented again and subsequently cleared. Dillards never sent me a request for a bounce fee but now I have Certegy trying to collect on the $25 bounce fee even though the check was paid. Can they do this? When I called them they were nasty and said well you are not going to be able to write any checks until you pay us for this. Why should I pay a bounce fee when the check was paid? Or should I?

Somebody please explain to me the restraints on collection agencies and others when calling about a debt. First of all my telephone number is unlisted and yet they seem to be getting it anyway. Second of all I get voice mail messages saying "This is so and so, this is not a solicitation you need to call XXX-XXX-XXXX" for resolution. There is often not even an account reference number. They don't say where they are from or which account it is in reference to.

my parents are looking into getting a home. my dad doesnt have good credit at all. my mom has decent credit. i was wondering what kind of credit score it would take to get a loan for a house. anyone know of any companies that will give out loans to people with mediocre credit. if anyone can give me more info on what it takes to take out a loan and if you know of any good lenders, please let me know

Can anyone help me with sample letters you mighthavethat I can use to: (1)Revoke wage assignments (2) Stop debit on my account (If I notify them in writing to stop debiting my account don't they have to by law?) (3) Not to call my job and home limit communication to mail (4) Verify account information Is that all I should send? I have also noticed that alot of people have complained to the AG.

I amconsolidating with T&C and I was wondering if anyone has names and addresses for these payday lenders: Sonic Payday Quickpayday Payday-loan-online-to-1000 worldwidecashnow paydayok paydayselect checkngo online cashnet500 ics payadvance getpaydaytoday/loancenter paydayloanscashnow

I was looking up one collection agency that I am dealing with, and I found this: Company Information: CREDIT MANAGEMENT INC 4200 INTERNATIONAL PKWY CARROLLTON, TX 75007-1912 Status: NO STANDING, FRANCHISE RESPONSIBILITY ENDED What in the world does that mean? ~Mary

I found a credit card with my name on it laying in my floor the other day. i do not know where it came from and i called the activation number only to find that i cannot speak to a real person to cancel the card. How do i get a hold of the company? I cannot find the company name on the web anywhere.

I have 3 credit cards with really high balances on them but I not longer use them. I've never been late and have always paid more than the minimum but would like the convenience of having one monthly payment. What direction would you suggest that I go with this? Thanks!

Is there some protection for the consumer against payday loan companies that continue to add late fees and charges to an existing balance when I am working with a debt consolidation company? I was under the impression that by working with a debt consolidation company that these additional fees would stop. How am I ever to pay down the old payday loan if they continue to add on fees, charges, etc.