I used to get calls asking to talk to the lady of the house. i wish him luck, she passed in 2008. I just hung up.
Scam Collection Agencies And Judgments?
- Thread starter wood714
- Start date
I have a favorite response to Spam / Scam callers.
"Hello" 'caller response' my reply "He is dead. He was killed by a drunk driver in a head-on collision yesterday." 'caller response' my reply "Why, he is dead." I hang up. No one has ever called back, 2 women burst into tears and were sobbing after following their 'script'. NOT my problem.
"Hello" 'caller response' my reply "He is dead. He was killed by a drunk driver in a head-on collision yesterday." 'caller response' my reply "Why, he is dead." I hang up. No one has ever called back, 2 women burst into tears and were sobbing after following their 'script'. NOT my problem.
Just curious, but why not?
We had someone try to file a fraudulent tax return using our SSNs a few years ago. We implemented a 7-year credit lock and now when we apply for any kind of credit, they contact us every time to verify that it was legit and that we initiated it. The IRS also contacts us when we file to verify that the filing is legit.
Seemed pretty useful and effective to me.
DWalt
Member
On a related topic, I just saw a news item that CFPB has ruled today that delinquent medical-related debt cannot appear on your credit report or be counted in your credit rating calculation. It didn’t say if that ruling will be retroactive. I saw no further details, but there are sure to be some. I doubt it means that any such debt will be forgiven, only that it cannot negatively affect your credit rating
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I'm gonna check my credit. My ex does have all my info...address, social security number and stuff. I had a lock on my credit for years after the divorce, but took it off a while back.[/QUOTE]
That is how I learned my lesson.
Got a letter from the phone company in State where I grew up. Said I had an outstanding phone bill and it was going to collections if I didn't pay.
Told them I hadn't lived in that State for 15 years or more. Found out I had a phone there for the past 10. All it took to get a new line was a phone call and SSN.
They gave me the address of my line and I knew who it was immediately. The X.
I reached out to her and apparently their credit was bad, needed a phone because of a sick kid so did what they thought they had to do.
Paid it for 10 years and I had no clue. They then fell on hard times again and couldn't pay.
She took care of it
That is how I learned my lesson.
Got a letter from the phone company in State where I grew up. Said I had an outstanding phone bill and it was going to collections if I didn't pay.
Told them I hadn't lived in that State for 15 years or more. Found out I had a phone there for the past 10. All it took to get a new line was a phone call and SSN.
They gave me the address of my line and I knew who it was immediately. The X.
I reached out to her and apparently their credit was bad, needed a phone because of a sick kid so did what they thought they had to do.
Paid it for 10 years and I had no clue. They then fell on hard times again and couldn't pay.
She took care of it
DWalt
Member
Regarding credit reports, CreditKarma Free Credit Scores - Intuit Credit Karma is free and gives you about any credit information you want. Retired Federal employees on OPM pension get free access to all credit information and identity/fraud protection. If you have an account at most large banks such as Chase, Wells Fargo, Bank of America, Barclays, etc., you can access your credit report and credit rating score as often as you wish free. You can lock your credit free at Experian or Equifax also.
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A friend of mine got a judgement against a guy over a home sale . The guy moved out of state to keep from paying it . My friend went there and talked to an Attorney and it was going to be a big ordeal to pursue it there . He kept the judgement in effect by filing something in court every few years . The guy outlasted him though . My friend passed away and I guess it will go away eventually .
Start answering the phone, "FBI, cyber crimes unit, agent Smalls speaking, how may I direct your call" I did that for a while and the number of BS calls dropped off
Same here. Why should I waste my time with a potential scammer? If they can't leave a message that's a sure sign they were somebody I didn't want to talk to.
