I didn't get to him on time. They asked if he had lived at a certain previous address, and he lied and said no. I don't know know if lying was a bad thing to do or not. I tried to get him off the phone asap, before he said ANYTHING! He's not aware of all the rules and regs of validation. I'm doing both of our reports. I tried to get him to tell her that everything has to be in writing from now on, but he didn't tell her. I wish I had gotten to the phone. Do you think he screwed up by lying? He said she was a very nice older woman. Yeah right! A lot he knows!!!
Um, was it your debt or his? Even if he is your husband, they are not allowed to discuss your debt with him. VIOLATION!!!
No, it's his debt. I've just been doing all the legwork, so he doesn't know what the correct things are to say to them. He panicked, and lied and told him it wasn't his address. Technically, he wasn't on the lease. It was my apt, while he was living at the address where he got this debt. We got married, and he did live there for 4 months until we moved out. I just hope by lying he didn't make things worse. Oh well, it's only a $65 bill...I just want them to let me pay for deletion. I'm not trying to get out of paying it. We'll see what happens. And, Yes, they do lie to us all the time. What's good for the goose is good for the gander (god, I sound like my grandmother!!)
I think that you should stop doing all the legwork and teach him the ins and outs of validation and what you are trying to do for him. Since you know, it is your responsibility to let him know what you know. I have this same situation with my husband, so I know what it's like. He really doesn't want to be involved in my new credit hobby, but what he doesn't realize is that by doing some stupid crap like talking to a CA, or applying for the wrong credit card can destroy you. This post was not an attempt to flame or anything like that, I just wanted to tell you that it can make or break your CR when you are trying to work on something and someone else is naive to the rules comes into play. It's happened to me and the results were almost disastrous. Don't talk to CAs!!!
I agree, and I'm trying to teach him. He's just hardly ever home, and I'm ALWAYS home, so I've sort of taken this up as my full time job!! The good thing is, he's only home one day a week usually, so it was just a fluke thing that he answered the phone. He learned today to never talked to them. He's going to say something like, the babies crying, I can't talk now, any further communication will have to be in writing, bye bye. That was his credit lessone for today. Part 2 tomorrow!! LOL
No need to tell them the baby is crying or other excuse. Just tell them flat out that you don't discuss this on the telephone. Tell them you will be glad to read a letter from them.
I don't mean to hijack this, but I have a question. I am in the same situation where I am doing my wife and mine. She knows not to talk to CA or OC. Providian called asked for my wife, I said she was busy and I would take a message. Providian asked if I was husband, I said yes and the woman at Providian, its still in house, just spilled the beans about how my wife is not paying her bills and what a bad person she is, wanted to know if she was working and so forth. Question, since it is the OC can they tell me this or just to my wife? And if not, what is my recourse?
You shouldn't have to put up with that at all! For starters you should be sending them their Cease and Desist letters. And you can tell them you don't take their phone calls and that they will be receiving a letter right away to back that up. All calls after that are violations...
