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Advanced Credit Repair - Dealing with Collection Agencies Collection Agencies Dunning you? Are they complying with the FDCPA and or the FCRA? IF they are not, they could be liable for up to $1000.00 to you! This is the forum to educate and protect the rights afforded to you under the FDCPA and the FCRA. Legal aspects of credit restoration will be found in this forum. MEMBERS CAN POST ANONYMOUS QUESTIONS...

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Old 06-16-2008, 12:13 AM   #1 (permalink)
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Exclamation Dekalb County Solutions

Hello,
I have these morons calling me about an account that doesn't even register on my credit report. It is a JCP account that hasn't been in use for years....and years. They say they have a "watch report" on my credit and I believe they can still hinder my credit score, any advice?
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Old 06-16-2008, 12:41 AM   #2 (permalink)
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Since their name "implies" a governmental entity, it may or may not trigger a violation.

From the first time they called you, unless they advised you at the time of that phone call, they must, within five days send you a written notice advising you of your rights under the FDCPA. If not, it's a "hyper-technical" violation.

If you have the account number and their address you should DV them.

BTW - since you are active military pay a visit to your base commander or JAG officer. Debt issues can get your security clearance down graded and possibly cause a discharge.
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Old 06-16-2008, 12:53 AM   #3 (permalink)
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I already lost m security clearance back in 2000
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