greenhair

I have no negatives on my credit report and anything that was negative is long past the statute of limitations. I had MDI Verify call my employer to verify my employment. From their website, it looks like they do skip traces. They were previously known as Merlin Information Services. I pulled my 3 credit reports and it shows that Portfolio Recovery did an inquiry a few weeks ago. Does anyone have an idea of what could be going on? Could something from long ago that is past SOL be coming back to haunt me?

http://www.bloomberg.com/news/2014-11-18/u-s-announces-charges-in-50-state-debt-collection-scheme.html Part of the article: Williams Scott employees relied on scripts to guide phone calls with victims, according to the complaint. The scripts instructed callers to say failure to pay would lead to criminal charges, the suspension of a driver’s license or arrest, prosecutors said. The firm often said it was working with made-up agencies, such as the “Federal Government Task Force,” and used legal jargon to bolster its legitimacy, according to the complaint. “The US Dept. of Justice has received notice from the National Crime Information Center to issue an alert on a SSN ending in __________,” reads one script cited in the complaint. “For an opportunity to resolve this matter outside of court contact Williams Scott Bureau of Investigations.” Another script mentioned in the complaint is more specific: “If the individual does not want to pay: ‘ARE YOU FIMILAR [sic] WITH THE LAW IN ___ COUNTY ABOUT WRITING A BAD CHECK ......... THEN GIVE THEM 48 HOURS TO PAY THEN SLAM THE PHONE IN THERE [sic] FACE!!!!’’

http://www.cbsatlanta.com/story/24832869/cobb-law-firm-accused-of-charging-former-debtors-for-court-error

Thanks SCLS. I don't mind doing it myself. I didn't know if an attorney might be more effective since I need it off pretty quick. I'll try it myself and then run in a panic to my neighbor if it does not work!

Georgia

gdale6 wrote: I seriously doubt 1 collection is going to affect your employment check especially one that has a DOFD of almost 7 years. I talked to the HR Director about the credit check. She said there can be no bankruptcies within 2 years and no collections. This one collection could casue me to lose the job. I told her exactly what was on my credit reports. She said I have to either get it removed or pay it. I do not want to pay Midland. Knowing that this job hinges on my credit report, does this chancge any of the suggestions? Does anyone think using my lawyer neighbor to send the letter would help, or are there any other avenues I should pursue other than a DV?

My next door neighbor is an attorney and said he would send a letter to Midland and would not charge me to do it. I know most people on here say to do it yourself, but because it is outside the SOL and close to falling off anyway, would it hurt to have an attorney send a letter? Would that make it worse, or could it possibly help it be deleted sooner?

I only have one negative item on my credit reports. It is reported on Transunion as follows: Placed for collection: 09/09/2010 Loan Type: Factoring Company Account Balance: $112 Estimated month and year that this item will be removed: 08/2014 On Experian, it is reported as follows: Date Opened: 09/2010 Type: Debt Buyer Recent Balance: $112 Status Details: This account is scheduled to continue on record until May 2014 I did not pass the online test to verify who I am for some reason, so I am having to request a copy of my Equifax credit report through the mail. I need to have this removed as soon as possible, as I will be getting a new job and will have a credit check done sometime in March. I know it may not be possible to have it removed by then, but I wanted to get some suggestions. It is outside the state SOL, so I am not worried about a lawsuit. I have never heard from Midland, but from reading on this site, I understand they are difficult. Any ideas?

http://www.clickorlando.com/news/credit-scores-impacting-new-affordable-care-act-insurance-plans/-/1637132/22341034/-/l0jmq3z/-/index.html

Does your DH work for a national broker, or a local one? Someone told me to find a local agency and start working for them, as they make their own decisions on whether or not an agent's credit is acceptable or not. I'm not sure about that, though, as I thought the insurance carrier had to approve you to write business for them. I'm still too new to the insurance industry to understand all of this! Someone else I spoke to said that as long as any delinquencies were now up to date and I didn't have any collections, I would be OK. I guess it may vary form company to company, so it is stressful, wondering what will happne.

FYI for others interested in working in the insurance field: State Farm said they use a point system when checking credit to see if someone is eligible to work for them. Tax liens, collections and charge-offs are an automatic reason to kick you out of consideration. A late payment may be OK if you only have one 30 day late and it is now current. If you have more than one 30 day late, or 60 and 90 day lates, you will probably not be considered. Pretty tough for employment, but at least they tell you up front!

Thanks for the reply. I talked to one recruiter yesterday who said that as long as all I had was a delinquency, it would be no problem. I told her that there were accounts on my credit report that truly did not belong to me. She said if the insurance company sent her a letter saying my credit was not acceptable, I could get a letter from my attorney saying that the items did not belong to me and she would resubmit my application. I guess that my employment would then be provisional, depending upon my ability to get the items off of my report. Are there any other insurance agents or employees of insurance companies who know what different companies look for on a credit report? I was told that State Farm has tough credit standards for their agents.

I am about to take my Georgia insurance licensing exam for life, accident and sickness. I have already talked to several insurnace companies about becoming an agent after I get my license. I know that insurance companies always pull a credit report. What would disqualify me from employment? Are some companies more strict than others? Are some companies OK with a low score as long as I have no lawsuits or collections? I have one account with late payments, but it is current now. I really have nothing else on my credit report that belongs to me, except that one account. I haven't even looked at my report in a long time until I realized that I would need it for employment. There are a few things on there that are being reported as current, but they are way beyond the 7 year period, so I will dispute those and there are some things on there that are definitely not mine, so I will dispute those, too. Are any of you familiar with insurance employment requirements for agents?

http://finance.yahoo.com/news/Automated-De...056388.html?x=0

Wow! I saw this on the World Net Daily website: http://www.timesonline.co.uk/tol/news/poli...icle5375668.ece This is NOT here in the U.S., but is happening in England. This is pretty frightening and we all know how abusive collectors can be, so this is a recipe for disaste r.