Comments on: How to Dispute Problems on Your Credit Report http://financefreelancelife.com/2009/10/30/how-to-dispute-problems-on-your-credit-report/ Thu, 18 Mar 2010 17:36:24 +0000 http://wordpress.org/?v=2.9.1 hourly 1 By: * End-of-Year Financial Checkup Checklist http://financefreelancelife.com/2009/10/30/how-to-dispute-problems-on-your-credit-report/#comment-62892 * End-of-Year Financial Checkup Checklist Tue, 08 Dec 2009 02:37:25 +0000 http://financefreelancelife.com/?p=1529#comment-62892 [...] 12 months. If you haven’t checked one in the last year, pull a copy at annualcreditreport.com and dispute any items that are not [...] [...] 12 months. If you haven’t checked one in the last year, pull a copy at annualcreditreport.com and dispute any items that are not [...]

]]> By: Home Finance Tip Blog » Emily’s list: Albert Camus edition http://financefreelancelife.com/2009/10/30/how-to-dispute-problems-on-your-credit-report/#comment-59202 Home Finance Tip Blog » Emily’s list: Albert Camus edition Sat, 07 Nov 2009 10:13:38 +0000 http://financefreelancelife.com/?p=1529#comment-59202 [...] 1. See something on your credit report that shouldn’t be there? Mrs. Micah offers steps for disputing an error on your credit report. [...] [...] 1. See something on your credit report that shouldn’t be there? Mrs. Micah offers steps for disputing an error on your credit report. [...]

]]> By: Funny about Money http://financefreelancelife.com/2009/10/30/how-to-dispute-problems-on-your-credit-report/#comment-58606 Funny about Money Mon, 02 Nov 2009 02:01:04 +0000 http://financefreelancelife.com/?p=1529#comment-58606 Is she in a community property state? If so, then the only part of the bill she owes is the part that was incurred <i>after</i> the date of their marriage. Any debt incurred by the spouses before the marriage is sole and separate. It doesn't matter whether they lived together in unwed bliss in the apartment served by the utility. If his name and only his name was on the bill, then he is the one who owes the amount accrued before the marriage. The contract is between the landlord or the service provider and the person whose name is on the lease or service account, not between the landlord or service provider and person or persons unknown. It sounds like she's being harassed by an unscrupulous collection agency that assumes (correctly, it appears) that she doesn't understand her rights. All states have agencies that regulate utilities, and federal laws regulate debt collectors. She needs to check first with the state utility regulator and then look into siccing the state or federal attorney general on the debt collector. .-= Funny about Money´s last blog ..<a href="http://feedproxy.google.com/~r/funny-about-money/funny/~3/RtmNIaHbM7A/" rel="nofollow">The highest and best use of a swimming pool</a> =-. Is she in a community property state? If so, then the only part of the bill she owes is the part that was incurred after the date of their marriage. Any debt incurred by the spouses before the marriage is sole and separate.

It doesn’t matter whether they lived together in unwed bliss in the apartment served by the utility. If his name and only his name was on the bill, then he is the one who owes the amount accrued before the marriage. The contract is between the landlord or the service provider and the person whose name is on the lease or service account, not between the landlord or service provider and person or persons unknown.

It sounds like she’s being harassed by an unscrupulous collection agency that assumes (correctly, it appears) that she doesn’t understand her rights. All states have agencies that regulate utilities, and federal laws regulate debt collectors. She needs to check first with the state utility regulator and then look into siccing the state or federal attorney general on the debt collector.
Funny about Money´s last blog ..The highest and best use of a swimming pool My ComLuv Profile

]]> By: Credit Card Chaser http://financefreelancelife.com/2009/10/30/how-to-dispute-problems-on-your-credit-report/#comment-58356 Credit Card Chaser Sat, 31 Oct 2009 00:09:36 +0000 http://financefreelancelife.com/?p=1529#comment-58356 Great in depth tips. I also use a credit monitoring service that alerts me every time there are any changes to my credit report and gives me my credit score on a quarterly basis (it costs me like $12/month and worth it IMO). I would also add that a common related credit card FAQ that I come across is what to do when an ex runs up credit card debt on a joint credit card account: http://www.creditcardchaser.com/faq/how-do-i-keep-my-ex-from-running-up-credit-card-debt-on-a-joint-account/ .-= Credit Card Chaser´s last blog ..<a href="http://www.creditcardchaser.com/think-you-could-go-into-massive-debt-while-making-10-millionyr/" rel="nofollow">Think You Could Go Into Massive Debt While Making $10 Million/Yr?</a> =-. Great in depth tips. I also use a credit monitoring service that alerts me every time there are any changes to my credit report and gives me my credit score on a quarterly basis (it costs me like $12/month and worth it IMO). I would also add that a common related credit card FAQ that I come across is what to do when an ex runs up credit card debt on a joint credit card account: http://www.creditcardchaser.com/faq/how-do-i-keep-my-ex-from-running-up-credit-card-debt-on-a-joint-account/
Credit Card Chaser´s last blog ..Think You Could Go Into Massive Debt While Making $10 Million/Yr? My ComLuv Profile

]]> By: Craig http://financefreelancelife.com/2009/10/30/how-to-dispute-problems-on-your-credit-report/#comment-58309 Craig Fri, 30 Oct 2009 15:30:12 +0000 http://financefreelancelife.com/?p=1529#comment-58309 I've never actually seen my credit report and wouldn't know how to read it or what to do. these are helpful tips for when the time comes. I’ve never actually seen my credit report and wouldn’t know how to read it or what to do. these are helpful tips for when the time comes.

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