I am f**cked, someone help please !!

tonybui

Sorry since this is in the wrong section but this is the most visited part of the forum, so I apologize first. I have a problem that really need your help since most of you have more experience than me at this stuff.

I purchased something from Bloomingdales and returned a couple days later. I didnt know that I was enroll in the credit protection BS so there was a balance of $2 in my account that I have no idea of. Anyways, 3 months passed by and it became $15 and was reported to the credit bureau. I called Bloomingdales and they said I have to contact the credit bureau myself. I call the 3 bureau and they asked me to pay to get my credit report but I only need to talk to a human about my problem and solve the problem (dont mind to pay to get everything solved) Does anyone here knows how to deal with this stuff, if so PLEASE help me, I'm about to purchase a new car and this is killing me.

kannibul

You can get your credit report for free.

I think it's annualcreditreport.com or something like that - either way, you can get the report free (law), just make sure not to sign up for anything to get you score, or protection (as you learned)

That being said, I think there are many class-action lawsuits going around over these kinds of issues. Check around, there may be one for your state.

Either way, for $15 "owed", they should remove it and write it off. Worst case, you pay it to get it removed, and file a claim with the BBB and a few other agencies that I can't think of.

Then you can dispute it with the credit agencies that it's been reported to, and they do their "check" with the persons you owe the money to, and if they say nay or don't report back, it's removed.

kdoske

who is the creditor I'm confused. Credit protection should only be charged if you have a balance on your account. Typically is so many cents to the dollar. You should only have to call your creditor, whoever that is, and dis enroll from the credit protection service.

Having said all this, this has nothing to do with your credit score. Just pay your current credit protection balance and cancel and you should have nothing to worry about. The only way any of this would effect your credit is if you stop making payments.


p.s. Please move to appropriate section.

Hi-Step'n370Z

This may not be what you want to hear, but I went through a much larger issue of identity theft, and learned allot about this sort of thing, so here's my advise to you. Find a good attorney and let him/her help you. They not only understand this sort of thing, but they will guide you through the process, and may even be able to help you avoid such issues in the future. The thought of the cost - attorney fees - keep's some people from seeking legal help. In my opinion, I have found that it's not expensive at all, but you should go ahead and make a few calls, and see what the cost will be to you, before making any moves regarding hiring an attorney. I believe that you'll be surprised just how affordable it is, however, you will be the final determiner of that.

tonybui

Well, they said I owed $15 for over 3 months so I'm afraid they reported me to the collectors and that would mess my credit score up.

VCuomo

In all probability, they did not - it's not worth it for $15.

Call the credit protection agency that you owe the $15 to, and raise hell. Tell them you did not intentionally sign up for their service and that you want the service cancelled and the $15 charge taken off of your credit card. If they push back, tell them if they don't you'll be contacting every consumer protection group you can find. Remember, if this happened to you, it's happened to others and they are probably used to this type of complaint - and they most likely don't want bunch of "official" complaints lodged against them.

kdoske

+1 it cost money to report someone to an agency. Your 15 dollars is probably less then the actual cost to report you. Just call and explain, try to get out of it if you can. If you can't then pay the 15 dollars and close your account.

Its stressful because you are trying to make the purchase of your Z happen but I am pretty sure its not really bad at all.

dad

You can go on line and get your credit report, I believe you have to pay a small fee for the credit score.
What are you paying "credit protection" on?

MeetJoeAsian

Probably one of those things where they send you a check of like a few bucks and it's made out to you to cash, and he went and cashed it and the fine print says "by cashing this check, you agree to this term...", or they might have called him to start a 3 month "free trial" of their credit protection that "pays your bill for you if you get sick or can't work..yada yada yada" and they said "..after 3 months, if you do not want to continue, simply call us and cancel...", one of the biggest scams I think...everyone always forgets to cancel, and so they juice the bux on whoever can fall for their scheme....

on a more serious note, you should call the credit card company, explain the situation, and ask them if it was reported to the credit bureau...when reporting to the credit bureau, the creditor can only report if you are late for more than 30 days after your due date...and it's generally reported as "late for 30/60/90+ days"...based on what you said, "3 months passed by", I'm sure you are approaching the 60th day of your past due date, which means you would be considered "1 time over 60", if this was your first offense....

in any case, sorry, I'm kinda sleepy, and ignore the mambo jambo up there, I'm sure you didn't understand what I was explaining (I read credit bureau everyday at work, so the lingo and explanation), but you should call your creditor (your credit card company), then ask them what it was, and when it was authorized, and tell them you never authorized such a transaction, and such transaction was done without your permission...chances are they are not going to investigate, and credit you the amount to your account...and technically, if they credit your account for the amount, that means they side with you and agree you were not in the wrong..therefore, if anything happens to where they actually DID reported to the credit bureau, you can call and complain later, or you can complain to the credit bureau (and if they take it off and the creditor report it again...yada yada...here I go again, I'll stop), they may be able to take it off for you...it's best if you request that your creditor (the credit card company) gets that off for you...take the first step first by calling them and explain to them NICELY that you did not authorize such protection and they should be able to credit you and cancel the protection from ever appearing again...you may not want to pay it yet unless you've exhausted your options with them...cuz by paying for it, you actually kinda acknowledge that you are at fault....

(sorry if my post didn't make sense...I'm sleepy...goodnite)...

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Zsteve

he is just paying protection like in the old days. LOL.

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dad

Kiplinger.com

WooZ

Yes, check your credit reports first then see if you need to worry about it.