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Wednesday, November 23, 2011

Does anbody have an idea on how to go about getting rid of a mystery debt? ?

April 21, 2010 by  
Filed under fight identity theft

I keep getting claims from debt companies saying that i owe them money from a store i used to work for. Thing is when i call they apologize and say ok we’ll do away with this. And then almost every year like clockwork a new place sends me a letter about the same amount of money. Its tiring and old because it shows on my credit score and I have disputed it, they say ok its gone and then here we go again. The debt is 100% not mine and the store went bankrupt in 2000. the same year I left to the Army and doesn’t seem to go away. i come back from Iraq twice and Afghanistan and i still have this lingering debt ,I’m pretty sure I am the victim of identity theft but being so long ago it will be an uphill fight to prove it. thanks for your time

Comments 5 Responses to “Does anbody have an idea on how to go about getting rid of a mystery debt? ?”
  1. PureOrLady says:

    take the next one to your military lawyer, and ask them if they will help you fix it. Best answer I can give.

  2. Dorthy_Gail says:

    Someone bought the debt from the store and is trying to collect.
    To many years have passed for them to collect on this debt now. If it is showing on your credit report, you need to send them a letter and tell them that you will be taking them to court if it is not removed from your credit report.
    Do some more research online and I agree with the previous post that suggested you see one of the military provided attorneys.

  3. bdancer222 says:

    Unfortunately, the debt keeps being sold to another collection agency. Your name and info is in the file but no one bothers to add that it ain’t yours.

    If this debt is from 2000, it should not show up on your credit file as that it would be beyond the 7 year reporting period. If is shows on your file, dispute it for that reason.

    You could just send the collection agency a letter telling them to cease and desist all contact as the debt is not yours. But they will still just sell it off to another zombie debt collector. You might check with your military legal dept to see if there is any way to stop your name from being included in the debt file. Or you could contact NACA advice: http://www.naca.net/

  4. latebreakfast says:

    Have you gone the certified mail dispute?
    You send them a letter asking them to validate the account. They have to prove to you it’s your debt.
    Send all documentation certified mail, then wait up to 45 days for an answer. If they don’t answer, contact the credit bureaus and ask that this debt be removed from your reports due to the company not validating the debt. They will tell you what to send them. It will be removed!
    Good luck.

  5. Ask M says:

    creditinfocenter.com

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