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I did not PG the account. What can I legally do? Would faxing them a letter stop it? Do I have any recourse? Thanks for your fast reply! They shouldn't be contacting any one expect an officer of the corp or employee in charge of the account and even at that they should only be contacting the office and no ones home or cell phones. I would send them a certified letter to stop and if that doesn't work send a intent to sue letter those seem to grab companies attention. Your already dealing with some one about the issue so there is no need for them to be harassing you , let the person that you are dealing with know about the other person and see if they can get it stopped and if they cant just advise then you will have to stop commucations with them all to together and advise that your lawyer will be contacting. And if they are talking to other people about the debt you can and should sue them. thanks for the reply..... I have a call in to them now and will follow through with the certified letter. Thanks!

I did not PG the account. What can I legally do? Would faxing them a letter stop it? Do I have any recourse? Thanks for your fast reply!

I am currently working on an issue with a Citibank backed company. I have been talking with one person about the issue, but another person has now started trying to contact me, even though I've told them I am already speaking with someone else...... TODAY the new person called my in-laws (who do not live at our same address or have anything to do with our debts OR business).... and began telling them that we are in breach of contract with Citibank, etc...... and now I'm pretty ticked. Is there anything that I can do to prevent them from contacting anyone else regarding our debts? Any info appreciated! Thanks

The only thing showing right now on Experian is a $500 credit line with $0 balance for Bldg Materials - last reported 7/09. Telcom Net 30 with $800 credit line and $0 balance - last reported 3/07 and Packaging Net 30 with no credit line listed, no balance and last reported 9/07. On D&B about the same except the credit line on the Telcom is $2,000 with zero balance. Do you think that being a home-based business will hurt the credit chances? Thanks!

Back in 2007 we established an LLC on an existing business. Shortly after becoming LLC however, we closed it down. We have now reopened the business, but as a home-based business. Currently, the DNB paydex is 79 and the Experian rating is 41. I would like to beef up these scores but unsure what I need to do. I know the Paydex should probably be 80 but don't have a clue about the Experian since they changed their rating..... First, since we are reopening it as home-based, will using our home address be a bad thing? Will it hinder us being able to get business credit? Also, how strict are they on the phone line being in the business name - I currently have another home based business that has the business line in its' name. I could change the name on the line, if necessary. Also, I haven't applied for any credit in this business name for quite some time, and would like to know which ones & which order I should go after. Are there any actual credit cards (not store cards) that we could get with these current scores? Most of what I read here about the credit cards was before the "crash"......not sure what's going on now. Any directions or help is greatly appreciated! Thanks!

I have a business that we registered with the Secretary of State back in 6/07. It was a business that we were purchasing from another person. Shortly after we purchased it, however, it went out of business (lost lease and several other issues). It didn't cost us a lot so no big deal....however we kept up the reporting for the business with the SOS office, so it is still in existence according to them and registered to us. The issue is with the DNB file. This company had a DNB file with it (80 paydex), but it still lists the original owners name (although very incorrectly....has his name all screwed up) as well as the original address. Now....we are wanting to take this company (and its DNB file) and startup again. However, we would like to change the name and address with both the Sec of State and with DNB. Therein lies the "chicken before the egg" question. Should we update the DNB file FIRST....to reflect us as the owners - because right now the name of the business are the same on both of the accounts but it lists different owners. OR do we update the SOS registration first and then try to get DNB to follow us (with two businesses whose names don't match)? Any help on the order of the steps we should take would be greatly appreciated..... Thanks!

thank you.....

I wasn't asking anyone to help me commit fraud. I was asking a question that could be answered by a Yes or No. Can they, without Form 4506, verify my income? I realize that many people may think harshly of this question, but these are hard times and sometimes we entertain the thought of doing things we may not otherwise do. I am not saying I am going to even do this, but was looking for an answer to a question.

Bump for any help.......

Does anyone know if they will pull the government docs for proof? are mortgage companies generally the only ones that make you sign the form to release your info? Is there any way for them to look at my tax return if I don't sign one of the same forms that the mortgage companies use? Any help.......appreciated.

Bump for the day shift

When you give a finance company your tax returns, can they actually verify that income with the government? Don't trash me though...... I only need another 1800 in income to get what I need!!!! We are self-employed and file Schedule C's, etc....I was just wondering if they can truly verify or if they just need it on file. Inquirign minds want to know.....

Yes are both the exact name other than that.....

Here is the situation: there are two companies that I am trying to decide between moving forward with. 1) the first one is an LLC that is one year old. The business is one that we had been "partners on paper" in for over 8 years. We had anticipated purchasing the business last August, so I formed an LLC (my husband and I as principals). Long story short.....due to a lengthy illness we were not able to move forward, so we are no longer involved in that business, but the LLC is still valid. There is a DNB file for that business as well, but it is showing under an incorrect address (shows the correct street address of the company, but different city!).... but does have a bit of business experience (not sure if good or bad - as it was before our time). 2) the second company is a Corp that was founded by an old friend of mine, that happens to be of the same name as my LLC (except it shows INC, instead of LLC - which is a huge difference). This biz was inc back in 1997 and dissolved in 2003. Not sure of all of the issues. Does NOT have a DNB file though. I know this person well and they are willing to "sign over" the inc to me. Of course, there are still a lot of fees to get it back into form - and I would definitely need to research the taxes, liens, etc.... but I was still wondering: A) Am I better off to just go with the LLC that I have and try to get the DNB file (that's under the wrong address) associated with it and go with that corp or, Am I better off trying to get this older corp (for aging) and then try to establish a DNB file for it? If I do, what else do I need to check with other than State, Federal Taxes and UCC liens? Any ideas, etc... would be appreciated! Thanks TJ

Yes, it is an ARM and although it has actually gone down since the rate drops, it is still rather high...... I will check out Fha options. Are there any FHA lenders that would be more likely for us than others? We are located in Indiana.