someone put a credit card in my name with providian when i was just 12yrs old. i'm 19 now.i found out about it when i got my credit report. i tried getting a police report, but the police told me they couldn't press charges. and gave me a case #. today,i disputed the charges made by providian and credigy on my credit report. i was wanting to know if there's anything more i should do?
By signing up a debt counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
Some creditors and collection agencies refuse to lower the payoff amount, interest rate, and fees owed by the consumer.
Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.