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  1. $1,000 Balance - $5,000 credit refund @luckydriver is owed $4,000 @luckydriver $12 purchase $4,000 - $12 = $3,988 @luckydriver is owed $3,988 Do you need more help with math?
  2. Employment confirmation letter should work. People move in state, across states all the time. This is not a new or difficult question to answer. If your "friend" wants to buy a house without a proof of income or employment, that will probably be impossible. Renting might be possible by prepaying rent. Your "friend" can try to negotiate with the landlord. Have your "friend" ask the question with details here directly that they want answered, and we can be more specific.
  3. Was it purchased by someone who will live in it?
  4. The first question is why do you have to move? If you don't, don't. Purchasing a house shouldn't be a short-term plan.
  5. If you never paid late and have proof, that should be easy to resolve. Banks are busy right now helping people who have lost their jobs, so this request might be low on their priority list.
  6. What industry is your business in? Can you sell assets?
  7. Be patient. They're going through the same thing you are. They have families, mortgages/rent, expenses, job changes. You're one of thousands in line.
  8. Focus on supporting yourself and/or family. Hospitality - Probably off the table Healthcare - Non-essential health care resources are being moved to essential. Your non-essential healthcare business could now be important. Tech - This is broad. Lots of areas in tech that may need help with more people working from home. Data centers, end user support, etc. Having expertise and established businesses in 3 different industries means you have ingenuity, creativity, and a good work ethic. We need those skills to help each other right now.
  9. Did you file for unemployment? It may not be much, but hopefully it helps.
  10. Worked out well the last time.
  11. If you owe $1,000 to 5 companies, you have $5,000 of debt. If you owe $5,000 to one company, you have $5,000 of debt. DTI is based on monthly payments. Is your goal to reduce your monthly payments so you can borrow more money for a house? Is your goal to reduce debt as quickly as possible? Is your goal to have the highest FICO score possible? All of the above? That requires details about the debt, credit scores, income, etc.
  12. I didn't miss the point. It's data mining and aggregation. It's not new. It's not a "tactic". And there's absolutely nothing you can to do stop it from happening.
  13. If I got a text from someone saying I owe $25,000 to the IRS, I'd know it was a scam because I don't owe $25,000 to the IRS. I also wouldn't respond to random text messages. Or emails. Or phone calls. Or letters. You searched for a debt collector, and now you're wondering why you see ads for debt collection? Really?
  14. You filed a legal, formal complaint with a credit reporting agency which said information on your credit report is inaccurate. Is that information now accurate? It was your mistake?

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