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     | Monday, November 01, 1999 - 12:58 pm  A creditor called my house and left a detailed message on my answering machine. The creditor spoke about the debt, the immenent charge off, mentioned my name, the bank name, the balance, the account, and other personal information. My outgoing message does not identify me, so the creditor had no way of confirming the identity of the recipient of the message. I think this violates FDCPA. Can leave this type of information on answering machines? What if a guest was over?
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| | Monday, November 01, 1999 - 03:46 pm Interesting question. I think it should be in violation of some law, they should verify that they are speaking with you, but I don't know. What is FDCPA?
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| | Tuesday, November 02, 1999 - 10:10 am FDCPA is the Fair Debt Collection Practices Act. I would say that it isn't a violation since they happened upon the right person, but you should contact the FTC and you can probably get an opinion letter on the subject.
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| | Sunday, November 07, 1999 - 06:20 pm I'm concerned about my credit and buying my first home. I did not receive my first c.c. until i was a junior in college. By the time i graduated i had 3. Often obtaining new cards to pay off the old ones. The bills were always paid on time. However, my second job out of college was working for a financial services co. which paid only by commission. There were good and bad times. During the bad times I found myself making late payments( 30-60 dys)This was the beginning of a tarnished credit report. Over the past 2 months I've paid off 4 c.c. with cash.(new job permits this).I now only have 1 card which i will keep for emergency. My only bills are rent(670.00), student loan, and car payment,all of which have never been late. I'm tired of paying rent. I've done so now for 4 yrs. Invested money and my job would enable me to afford a mortgage. However, I am concerned that my credit report will keep this from happening even though I can afford it.because I was late on a few cards the c.c. company closed the account. So the report will show this eventhough I paid them off with cash. What should I do and where should I start. I'm ready!!!!!!!!!!
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| | Wednesday, November 10, 1999 - 01:12 pm Rebuilding your credit is a 2 part procedure. The first step is to make sure that everything reported in your 3 national credit files is reported according to the 5 requirements. Each of the credit bureaus will provide a guide to reading their credit report - I can provide you with a list of the 5 requirements for information to legally appear in your credit report - no charge. just email me at gfinder@pacbell.net. The second step is to make sure that only good or positive information is added to your credit report from this point on. You may want to get new credit cards or accounts to increase your good credit reputation. You can easily "over" do this. One of the dangers here is that you will get too much credit and that may be used against you. Details upon request.
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| | Thursday, November 11, 1999 - 09:50 am Someone on this site (can't remember name. . .possibly Gerard) recommended www.icreditscore.com to get credit info (merged or seperate) way back when. Good site to get your scores and reports once you've educated yourself on the subject. The educate yourself part is key because the information isn't very cut and dry to the uninitiated. Best of luck to you.
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| | Monday, November 15, 1999 - 08:58 pm If a creditor leaves a message like that on any answering machine it is a direct violation. That is third party disclosure. I would keep that tape and threten them big time. Work your way out of the debt to not turn the tape over to the FTC. Collectors are notorious for this and it is big time violation..... Kristi Feathers www.carreonandassociates.com
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