Be A Credit Detective
When Marisa Galán checked her credit report, she noticed accounts that were not hers, but thought nothing of it. What she didn’t know, however, was that these accounts were culprits that were negatively affecting her credit-and her ability to get a loan at her local bank.
Your credit score is a reflection of every piece of information on your credit report-whether it’s yours or not! Be sure to review your reports from all three credit bureaus (Experian, Equifax, and Trans Union) for accuracy once a year and several months before applying for a loan. Over 70% of individuals are victims of at least one credit error often because a report is incomplete, contains information about someone else, or is out-of date. For example, if someone else has the same name as you do, their credit information may mistakenly be included on your credit report. Don’t be a victim! If you notice an error on your credit report, you have the right to have it investigated and corrected.
Credit experts at ACCION suggest that you send the credit agency a dispute letter to initiate an investigation (visit http://yourmoney.accion.org to download a sample dispute letter). Include copies (not originals) of documents that support your position and prove your identity. Send your dispute letter and all relevant documentation via certified mail. Don’t remain silent: clearly identify each item in your report that you dispute, state the facts, and explain why you dispute the information, and request deletion or correction.
Credit reporting agencies must investigate the claim within 30 days, and if the information proves to be inaccurate, all three credit reporting agencies must correct the information. If an error isn’t found immediately, don’t give up hope- you may also contact the creditor directly to resolve the problem. As a last resort, you have the right to tell your side of the story in a 100 word explanation attached to your credit report.
So go ahead and start investigating-it’s your credit, after all!
Your Money
http://www.articlesbase.com/finance-articles/be-a-credit-detective-129737.html
check written to credit card as payment and was returned now a detective is calling me and I used the card?
I used the card because the credit card made it available, I am going through bad time and haven’t paid my cards over 6 months now, a sherrif (detective) left his card by my door and i called he says you have wrote an NSF check but that was a mistake
If you send a check payment to a creditor, they will give you immediate credit for that payment before they actually go to cash the check. When they went to cash the check, the funds weren’t available so they took away the credit they initially gave you. Best wishes!
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Financier
In most jurisdictions, it’s a crime to bounce a check and not make it good. If you haven’t made good on the check, you may be facing arrest.
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20+ years practicing law
You should not have used the card again, knowing that you haven’t paid your bill in 6 months. Shifting the blame on them by saying "they made it available" is not going to help you one bit. The credit card company must have turned you into the police for writing a hot check (even though it was an accident). I’m really surprised at the depths credit card companies are willing to stoop nowadays to either get their money or their revenge. It wasn’t too long ago that they would just write-off most unpaid debts that were under a couple of thousand but lately I’ve been hearing of those companies now actually suing for amounts as small as $80!!! You will need to contact the Sheriff who left the card on your door and find out what you need to do next. Don’t be surprised if they have issued a warrant out for your arrest, and you’ll be stuck paying all those fees in addition to the initial credit card debt. In case you haven’t already figured it out by now, QUIT using the card!
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its because you bounced the check and it has remained unpaid not because you used the card again…call the sheriff and see what you need to do…usually you are notified by mail and given a chance to pay the check…you must have ignored the letters and now you probably have an arrest warrant….but also it’s the district attorneys office that will have the info about the check…not the sheriff
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