Need Advice!!! One year ago i went to Consumer Credit and began to work out issues with my credit report. I was told to just begin making payments never advised about the disputing process. I later find out a year later when things began to show up on my credit report, i was a victim of fraud. I presented a police report and got many things taken off but in this instance the CA stated that because i had been making payments for the past year, i validated the debt. Do i have any legal recourse? I am positive that this debt is not mine and have the reports to prove it. They are now stating that they will go through legal actions. Please help. I have spent the last two years cleaning this mess up.
They stated that by making my timely payments that this validates the debt. I will send out a validation letter as well as the police report and then go from there. Thanks for the advice!
lkemp I am sort of in the same situation as you. I am sending out validations tomorrow. I will let you know what they say although they were being paid thru a Credit Counceling service for the past year.
I am currently using a credit counselor also. Have you heard any negative things about using one? One person told me a CC is as bad as BK. What's your opinion. I have been with the CC for about 1 1/2 years now
Good luck. They claim they are a nonprofit organization(Consumer Credit) but they are being financed by the creditors we have to pay. They do not look out for the consumer. They want you to make payments so that the DOLA begins from that first payment. They were not helpful for me. I began to research and do everything myself. It took a little more time but it was worth it. I have gotten everything removed or settled. I just became a bitch to be reckoned with--sprouting off laws!!
Thanks so much. I look forward to the response. I am now in the process of obtaining a mortgage and i do not want this crap to hinder me.
