Here is my story. Last week I got an email stating that a new account was posted on my credit report. So, I went to check it and it was a company called Georgia Power. I called to inquire about the account and I didnt have any info to give them so I asked if they used social security numbers. I gave my number to the representative. The account came up stating that I had some lights turned on at this location. Here is the problem: I stay in New Orleans, LA and the lights were turned on in Columbus, GA. Now I was pissed. I could only think of one person using my SSN. It is my own father. So, what I did was ask the company for a fraud investigation packet and get them to send it to me so I can fill it out. One of the requirements was that I get a police report. Since the crime happened in GA, I had to file a police report over the phone. I have to mail in a $2 money order to the GAPD to get them to mail the police report to me since I am out of state. I have an aunt that stays in Columbus which is also my father's sister. I spoke to her husband and he told me that he remembers seeing my father move into the place. At this current time, my father doesnt reside at the location anymore. So, now I am just waiting to fill out everything. It is a real shame that your own blood would stab you in the back like that. I am just worried that he hasnt used my SSN for anything else. I am going to be placing a fraud alert with all 3 credit bureaus for the maximum 7 years.
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.