Credit scores Oklahoma

What actually causes the problem is when the account number for the same account credit scores Oklahoma gets changed, and sometimes morphed repeatedly, so that credit scores Oklahoma the identity of the actual account is greatly obscured.

When this is allowed to happen, the CRAs super computers, employing simple logic but lacking intelligence, assume that an account is the same, or a credit scores Oklahoma match, when it has the same account number, and that it is different when it does not. Therein can lie the source of much headache, aggravation and damages for a consumer, and much denial of responsibility from the CRAs. Let us say that Consumer An is receiving bills for a .00 balance on a department store credit card.

Consumer A never applied for such a card and therefore the debt cannot be his. what is a credit report He suspects someone stole his identity and opened the account using his credit scores Oklahoma social security number credit scores Oklahoma and other private information. After numerous phone calls and letters back and credit scores Oklahoma forth, the department store agrees that it is not Consumer As debt after all and credit scores Oklahoma tells Consumer A not to worry about it, that theyll take care of it. Naturally, Consumer credit scores Oklahoma An is now relieved credit scores Oklahoma and assumes that it will be taken care of, i..e., they will stop billing him for the invalid debt and it will be deleted from his credit report. best credit report website The account number, by the way let us say it is 1234567890 and that is the way the CRAs are reporting it on Consumer As credit reports. Consumer A notifies the CRAs by certified mail of the situation, along with documentation, and they credit scores Oklahoma all delete the previously credit scores Oklahoma reported trade line within a month. ]] About four months go credit scores Oklahoma by and Consumer An is dismayed to receive in the mail a letter from a Debt Collection Company named Pit Bull. Pit Bull, in its letter, states credit scores Oklahoma that it is collecting credit scores Oklahoma a debt on behalf of the department store (the same one that earlier told Consumer A not to worry about it, that they would take care credit scores Oklahoma of it and delete it fromhis credit report.) Pit Bull shows the debt now as , having tacked on a penalty and a default charge or attorneys fees), but informs Consumer A that, although he owes immediately the full amount of , they will take as a full payment. free credit report online instantly