Free credit report score Houston

Legally, philosophically, morally, one would think not.

A trade free credit report score Houston line on your credit report provides certain standard items of information about an account you have, such as the name of the company ( say a department store, for example), the companys address, the account number, the current balance on the account, the terms of the credit, and so forth. Any of this information could in fact turn out to be incorrect, but the item of free credit report score Houston information we will address in this article is that definite free credit report score Houston and critical identifier for the CRAs, the account number. One would think that such a mundane piece of information as free credit report score Houston an account number couldnt possibly cause that much trouble, and in a sense that is true. What actually causes the problem is when the account number for the same account gets changed, and sometimes morphed repeatedly, so that the identity of free credit report score Houston the actual account is greatly free credit report score Houston obscured. view your credit report When this is allowed to happen, the CRAs super computers, employing simple logic but free credit report score Houston lacking intelligence, assume that an free credit report score Houston account is the same, or a match, when it has the same account number, and that it is different when it does not. Therein can lie the source of much headache, aggravation and damages for a consumer, and much denial of responsibility from the CRAs.

Let us say that Consumer free credit report score Houston An is receiving bills for a .00 balance on a free credit report score Houston department store credit card. Consumer free credit report score Houston A never applied for such a card and therefore the debt cannot be his. where can i get a free credit report He suspects someone stole his identity and opened the account using his social security number and other free credit report score Houston private information. After numerous phone calls and letters back and forth, the department store agrees that it is not Consumer As debt after all and tells Consumer A not to free credit report score Houston worry about it, that theyll take care of it. Naturally, Consumer An is now relieved and assumes that it will free credit report score Houston be taken care of, i..e., they will stop billing him for the invalid debt and it will be deleted free credit report score Houston from his credit report. The account number, by the way let us say it is free credit report score Houston 1234567890 and that is the free credit report score Houston way the CRAs are reporting it on Consumer As credit reports.

Consumer A notifies the CRAs by certified mail of the situation, along with documentation, and they all delete the previously reported trade line within a free credit report score Houston month. credit report from 3 ]] About four months go by and Consumer An is dismayed to receive in the mail a letter from a Debt Collection Company named Pit Bull. Pit Bull, in its letter, states that free credit report score Houston it is collecting a debt on behalf of the department store (the same one that earlier told Consumer A not to worry about it, that they would take care of it and delete it fromhis credit report.) Pit Bull shows the debt now as , having tacked on a penalty and a default charge or attorneys fees), but informs Consumer A that, although he owes immediately the full amount of , they will take as a full payment.