Credit History Removal And Reasoning

[MacDuff]

I had been prosecuted with a debt customers company over a lender charge card. The debt customer published to my credit history inappropriate data rangeing from re-aging to inappropriate quantity of debt. I questioned the bill on my credit history and visited the very first court day where I refused the match. As it had been confirmed the 2nd look got up and I visited court again. the lawyer representing your debt customer talked me out-of getting it to test because of my impairment and insufficient belongings. I did not wish to maintain investing the cash so I decided to sign a document saying I'd no belongings and ignore it. Today the lawyer company for that debt customer is asking again attempting to gather the cash. Are they permitted to do this because the debt hasbeen erased from my credit history? thanks-hope this makes sense.

[Dunne]

Might the suit be legitimate if they were suing over an incorrect amount they couldn't verify and had documented on my CR as proper? I realize I owe an amount- however the amount I was prosecuted for was no-where near right, reaged, extra costs, etc. If they'd their thirty days to show the tradeline was precise and couldn't, how could they prosecute for an amount they weren't owed? Could it be a FCRA offence to prosecute me over incorrect quantities and to record them on my credit accounts causing problems for my credit score? I wish Iam making sense- or even, thanks for addressing a laymans ramblings.

[Jenda]

Thank you, I notice you're right. I often fear the small items to death rather than the entire image. I ought to be happy they got it off my credit history. At-Least thats an optimistic. So how exactly does that use another two CRAis. Do I've to challenge theirs seperately, when they have exactly the same selection consideration? And is not the CRA designed to inform requestors of my credit history of the change? Thanks again for the help.

[Goreu]

A lawyer or collection agencyIs make an effort to accumulate a debt is just a distinct problem from your own credit report.If you owe a debt and never paid it, you still owe it.Data Furnishers should adhere to credit institution recommendations and the Fair Credit-Reporting Act. You may even possess a declaration in the debt customers company (authorized at that time the match was dropped) whereby they decided to not report again. They could however make an effort to collect.

[Lannie]

You're speaing frankly about apples and pears (to use a pun). The FCRA issues informative data on your credit history. If you were charged to recuperate a debt, you'd need certainly to look for a defense to that particular suit, ie...incorrectly offered, previous law of limitations to create suit, incorrect legislation, etc. You'd not have the ability to increase violations of the FCRA as a defense. They're merely two individual issues.What you may do, should it arrived at this...if you're charged for your debt, you might counter-sue for violations of the FCRA, or for re-aging, if you've evidence. You may be in a position to come with a type of agreement.If you've concerns concerning the items of the FCRA, you may browse the text by following a "credit" hyperlinks at www.ftc.govYou are requesting lots of hypotheticals, with no great knowledge. For detailed responses to your concerns, you may wish to consult with a customer regulation attorney.