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Hi,i'm here to ask you guys for counseling about my debt.I have a debt approximately 30-ish thousands. And i'm looking for a way to decrease it as low as possible.I want to pay it off,I do,but it's just too hard to do with this economy. I don't want to go bankruptcy because i know i can pay it off,just not all of it.Is there any way i can do that? I have a friend that did it,it went from 30 thousands to 15 thousands.But he moved and i lost his number so. Please help!
- 6 replies
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- Debt
- credit score
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I was the authorized user on a corporate credit card. I was issued the card by my Corporate employer. The corporation defaulted on the card and went out of business. I never accepted responsibility for payment of corporation debt. The credit card company has no record of any application for credit with my signature taking responsibility. They have no application on file for the issuance of the card. I am now charged with negative remarks in the form of write downs. My Credit score dropped from over 800 to 635. I am unable to obtain new credit. The credit card issuer never reported the activity on the card on my credit file for 18 years. FCRC rules state I cannot be held responsible unless I agreed to be liable. What recourse do I have: to have the remarks removed. The Credit reporting agencies refuse to remove the negative remarks.
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Need Help! I was the authorized user on a corporate credit card. I was issued the card by my Corporate employer. The corporation defaulted on the card and went out of business. I never accepted responsibility for payment of corporation debt. The credit card company has no record of any application for credit with my signature taking responsibility. They have no application on file for the issuance of the card. I am now charged with negative remarks in the form of write downs. My Credit score dropped from over 800 to 635. I am unable to obtain new credit. The credit card issuer never reported the activity on the card on my credit file for 18 years. FCRC rules state I cannot be held responsible unless I agreed to be liable. What recourse do I have: to have the remarks removed. The Credit reporting agencies refuse to remove the negative remarks.
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Needed to see if anyone can offer some good advice on what my next step should be. Here's what happened: a few months ago an unauthorized debit of $30 (I know. nothing crazy, but it's now matter of principle) was drafted out of my checking account. So I immediately contacted the bank who had me come down fill out an affidavit stating I didn't authorize this debit and had never heard of nor associated with the company that did it. I also had to change my account number ,order new checks, just the basic things anyone would need to do. Long story short, my bank said that "they would do what they could on the backside of things to go after these people but you;ve done all you can do." Really? So I then I filled a report with BBB in the state this company is supposedly in as well as the state attorney general, and filed a complaint with the Consumer Financial Protection Bureau. Of course I contacted the company multiple times only to be told I had to have done this or they wouldn't have my information. Strange thing is the account number they used was my checking account number not my debit card number, which is what I do use when shopping online. Other than a utility now and then do I ever write paper checks. I doubt there is anything I could do further, but I thought I would ask cause this site has been incredibly helpful with other matters. Thanks in advance Keith
- 9 replies
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- unauthorized
- checking account
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