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Threadtastic Postaholic
Member Since Dec 2018
Location: New Jersey
Posts: 6,006
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#1
We have not so good credit due to the previous recessions and my husband being out of work for a year. I know there is medical debt. Is there a company or state program/organization that helps you dispute/ repair credit that is not one of those shady expensive companies? I just need someone who knows the game to help us dispute debts/ make them better. I hate debt collectors. Imagine I you owe me 5$. But i decide that my mom can have the debt to collect so I sell her the debt for 1$. Now my mom gets to collect on the 5$ and add fees because she wants to. Now instead of you owing the debt to me, you now owe her plus whatever she tacks onto it. How is that fair? I living in Burlington County NJ.
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Member
Member Since Mar 2020
Location: Michigan
Posts: 126
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#2
GreenPath has been helpful in the past. A trusted non-profit.
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#3
There should be a local nonprofit organization in your city where you can meet with a financial advisor for free who can help you sort out your credit issues. Try that route.
Debt collectors are vile. I paid a T-Mobile account off in 2012 and that debt has been resold about 3 times since and just recently the 3rd debt collector deducted 50 points from my credit score after reporting it as past due. I was furious. I had to contact the debt collector I had paid it off with to get a confirmation letter. Then, I contacted the debt collector for an email address or PO Box address to send that to. Lastly, I filed a dispute on my credit report and attached my letter, the confirmation letter, and a screen shot of the credit report where the debt was wrongly reported. Within five hours, the credit report dispute dept had contacted the debt collector (what they did was illegal, and the knew it, trying to collect on a paid/closed debt from me), asked them to provide proof of my debt as unpaid and they couldn't. So, the dispute dept took my evidence and verified it, then deleted the debt from my credit report. Now, I am down 50 points. So, I have to wait and see if my credit score will increase again. I just shared my personal experience as an example of what you can avoid if you go to a social service agency for help with your credit. They have accountants who volunteer for free and help people repair their credit. Those are more legit than those consumer debt agencies. Don't waste your time with those. They're in on the scam b/c they will charge you money to consolidate your debt. I am still trying to get debt from 2012 and 2009 removed from my credit report and sometimes it feels like an uphill battle when I can't get it removed. |
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