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Help ive never seen this or authorized this account!

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I have desperatly been trying to repair my credit, using this site every day to help. Well today I updated my reports and saw an account I have never seen or have no knowledge of!!! here is the info with some things left out for my protection:

CUBIS FINANCIAL #


325 E WARM SPRINGS
SUITE 209
LAS VEGAS, NV 89119
(800) 251-2340
Balance: $ 0
Date Updated: 08/2007
High Balance: $ 2,500
Credit Limit: $ 2,500
Pay Status: Paid or paying as agreed
Account Type: Revolving Account
Responsibility: Individual Account
Date Opened: 05/2007
Date Paid: 05/2007


Loan Type: Revolving Account - Charge Account


I never authorized this and I have never received anything about this account! I cant talk to anyone I tried for hours. Im so scared this is going to hurt me in the long run, I dont have a way to pay even if I wanted to! I filed a complaint with the FTC, but they wont help fix it only use it for their database I guess. anyone, please, help. sara




It says that the account is paid or paying as agreed. Do you have any revolving credit cards? The balance is 0, there is nothing to pay.

Sub: #1 posted on Tue, 10/23/2007 - 04:32

kashzan kashzan

(Posts: 5401 | Credits: )

I have 2 but the limit is 300 and 200, then one loan for 1,458.00 this isnt any of them, I know that is what gets me the balance thing and how it says it was opened on 5/18/07 and just appeared this month.

Sub: #2 posted on Tue, 10/23/2007 - 04:35

saramurphy1 saramurphy1

(Posts: 8 | Credits: )

well, as long as it says balance 0 I realy wouldn't worry too much about it.

Sub: #3 posted on Tue, 10/23/2007 - 04:37

kashzan kashzan

(Posts: 5401 | Credits: )

really? LOL well ok, but I wonder if its helping or hurting my score saying balance 0 because it does say paying as agreed.

Sub: #4 posted on Tue, 10/23/2007 - 04:40

saramurphy1 saramurphy1

(Posts: 8 | Credits: )

It says Paid, or paying as agreed, and if the balance is 0 then it was paid

Sub: #5 posted on Tue, 10/23/2007 - 04:48

kashzan kashzan

(Posts: 5401 | Credits: )

You need to still look into it. If it's not yours it shouldn't be on your report.

Dispute it with the agencies.

Sub: #6 posted on Tue, 10/23/2007 - 07:14

goudah2424 goudah2424

(Posts: 7935 | Credits: )

You do need to worry about this, A LOT. If someone opened credit in your name, they know at least your name and social security company. You need to send a certified dispute letter to the company and the credit bureau.

Sub: #7 posted on Tue, 10/23/2007 - 09:20

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