Are credit agency's allowed to contact me about a past debt if I tell them to stop?
554082
PAY YOUR BILL!!! I work as a bill colelctor and the best thing to do is work out an arrangement that you are able to commit to. Stop running and being immature about it by hanging up (If that's what you do). Although it's people like you that keep us having a job. I know there are some nasty bill collectors but not all are bad. Other wise you can write a cease and desist letter that will eliminate calls for 5 years.  But please make out an arrange to pay off debt or do a settlement. By this, I mean agree to work with the creditor by paying 50% of bll and writting off the rest- it much better than have your acct charge off.
846421
Depends on the level of debt. No they can't. They can't siphon your funds in your bank or anything. Its more or less an agreement between you and them to make payments or make them in full. I hear that after 7 years, they stop calling and can no longer collect. Of course you can declare bankrupsy, and all your debts are removed. However, that kills your credit for 7 years. Don't get too far in debt because you wont be able to finance a car, house, etc etc. Oh and just so you know, you can usually negotiate your debt down if you do deal with the credit angency. "Take it or leave it" ...usually they take it and you can settle for less of the amount than what you owe.
79751
ACTUALLY THERE IS A STATUTE OF LIMITATIONS ON CREDIT CARD DEBT! \n\nIt depends on the state you live in.  You would have to look it up some how.  I know that some states it is 4 years some 5 and others may be a little longer.  \n\nIf you have not recently been contacted by the creditor in relation to the 12 year debt and then PROMISED to pay it - then no.  If you HAVE been contacted and then you said you would pay it.... you just may have screwed yourself.  \n\nThe main thing with old debt - if it is near the statute of limitations, the creditors will start to call you about it.  If you promise to pay it in any way or say you have the ability to do so it opens your statute up again for another "how many" years.  (what ever the statute of limitations is in your state)  \n\nExample on your 12 year debt. If you lived in a state that had a 4 year time period...and  If you hadn't paid anything on that debt, then right around the 4 year mark you would start getting phone calls about the debt - If then you promised in some way  you would pay it... it would extend your statute for another 4 years... then once those 4 years passed & you never paid, you would be nearing your new 4 year statute of limitations they would start calling you again.  If you then promised yet again that you would pay - You just extended that statute Yet AGAIN.  So if you have 12 year old debt and they are calling you on it... this may be what is happening to you.  If you have promised to pay this debt off in the past, you have extended your statute of limitations each time.  \n\nIf you don't intend on paying it cause you just CAN NOT and have no money to do so - DON'T promise that you can.  Tell them "NO - I CAN NOT PAY it".  They will write off your debt.  Once the statute of limitations is past it will be illegal for them to pursue you for that money.  \n\nGood luck.
626432
yes you can, equifax is the easiest...just tell then you didnt authorized them and they will delete them day 1. transUnion will give you a hard time saying they dont dispute inquiries you will have to write to the creditors yourself. Experian on the other hand is a 50/50 chance. They deleted 2 out of my 5 so far day 1. Myself I try to apply for credit online so I dont have to sign anything for proof that I applied to a card, and when they dont approve me I dispute it...
217109
Regarding your last question, each state has a Statute of Limitations on how long a debt is legal.  Go to the link below and look up your state.  \n\nThe first thing you need to do is get those silly collection agents off your back.  To do that, use the sample letter below requesting that they "validate" your debt.  That means they must send you a copy of the bills, contracts, and anything that was used to calculate the debt you owe.  If they don't supply you with that information, they can't keep the negative report on your credit history.  \n\nSend this letter to both Cingular and the collection agent.  If they do not respond back in 30 days, send a copy of that letter, plus a letter demanding that the report be removed from your credit history, to each of the credit reporting agencies.  That will get it off your records.\n\nNow, what I'm going to bet is one of two things happened.  They either messed up your last payment and didn't enter it correctly (you do have a copy of the canceled check, right), or you are being billed a fee for canceling your contract early.  All of the cell phone companies have a very large termination fee, and there is no easy way to avoid it.  It's right there in the contract you signed.....\n\n....which is why you are sending them that "validation" letter.  No contract = no legal agreement to pay them.  \n\nSo make them prove your debt or leave you alone!
647512
Simply put, yes. HOWEVER, they must have a CURRENT business relationship with you. Because they are collecting an alleged debt they have permissible purpose to pull your credit without your permission. The law protects you from abuse which many collectors will do so monitor your reports closely. Abusive practice could be excessive pulls. The only purpose it serves to pull your credit excessively is to poison your report. If they are running your credit but not reporting they are checking to see if you have applied for new  credit or may have purchased new assets. Send them a debt validation letter immediately. If they fail to validate the debt and continue to run your credit it is considered continued collection activity which violates the Fair Credit Reporting Act. If they do not validate the debt then also follow up with a non permissible purpose letter that informs them that they failed to validate the debt. Therefore, they do not have permissible purpose to run your credit. They must remove those inquiries or they are in violation.
660091
Contact the Credit Counselling Service (or something along those lines).  Free charity, great at helping to deal with debt.  As far as I know you can ask but it is unlikely they will reduce the amount - they do however cancel interest!  Good luck.  Also CCJs only last for 7 yrs on your credit rating.
700299
You can call the company to see if they would give you an extension.    If they say yes, ask if they will remove any late fees on the account.\n\nIf they say there is no extension possible than you will still be delinquent but you show an effort of good faith and willingness to pay down your debt. \n\nRequest the customer service representative you speak with put a note on the account regarding your conversation.  Be sure to document your conversation by keeping their name, operator # and date.  \n\nIf there are notes on your account from your telephone discussion they will be advantagous if you need to have discussions with the Senior management at a later date\n\nHope this helps
856252
Yes, I have disputed and had the negatives removed, but the negatives were inaccurate. Sometimes it is best to "let laying dogs sleep" if the negative is old and accurate. By disputing the claim, you are refreshing the memory that you have an accurate debt with the creditor and since they will be updating the bureaus, your credit score could slightly drop since the account will look like it has had recent activity. Plus, if the creditors start to contact you since you reminded them of the debt, you will have to be careful with what you do so that you don't lengthen the statue of limitations (allowing them to have a chance to sue you for a longer period of time).
938453
I highly recommend you call these folks\nhttp://www.cccsintl.org/\nCCCS or Consumer Credit Counseling Service (if you are in the US)\nThey are a non profit credit counseling service that all major credit card, irs, government agencies recommend to help folks with bills.. might even prevent bankruptcy.. They can work with you and help you with contacting your creditors and what to say and help you settle with them, might even negotiate lower payments. etc.. I used to work for a major department store dept collection department and we always referred the worse cases to these folks... goodluck!
1156980
They are only required to stop calling your work if they know that your employer forbids personal calls. Tell them they do and that you know that under the Fair Debt Collection Practices Act they must stop calling your work. Also, you can notify your creditor in writing that you do not wish to receive further communication from the creditor they must stop.
1038150
Contact the Consumer credit counselling service who will work with you to create a debt management plan and they will take over all contact from your creditors,and collect a managable small payment and distribute it amongst your creditors...NB The Consumer Credit Counselling Service is a charitable organisation so will not charge you for their services
776646
The Credit Exchange is notorious for this type of behavior.  They love to get you to sign on the line without proper cause for recourse.  big deal you are in debt right i mean what difference does today or next week have.  I also imagine that they told you something to the effect that he filled out the form online and that they can only stop calling after they speak with him to confirm that he is not interested.\n\nFile a compliant with the BBB and the attorney general's office of the state of california and the state that you live in as well.  as mentioned above they probably are violating some commerce laws by calling you.\n\nThey do have a pending FTC complaint that is currently under investigation and multiple BBB complaints over 70+ actually.\n\nreally how desperate does a company have to be to try to beg you to get out of debt.
861042
No, phone them and set up a payment plan. They will try to work with you and avoid going to Court. It costs them money to go to Court. Or you can contact a local Credit Counselling company in your area. They can also help you set this up.
1058942
To begin with, never NEVER believe a collection agent.  When they tell you they will notify a credit bureau about your payment, there is NO GUARANTEE the will do so. \n\nWhat you need is for the collection agency to send you IN WRITING an agreement that once you have paid your bill, they will remove any negative information from your report.\n\nThe problem is we are now dealing with other countries, and other laws.  I don't have a clue what laws Irland has concerning credit reporting (they may not even have any!), so without any legal backing that letter can be next to worthless.  \n\nSo before you procede, you need to research the credit reporting laws and see what sort of protections you have.   Otherwise, you are working solely on the work of the creditor, which is not a bright idea.
365213
In this case, they can.  But read my entire message...\n\nAccording to the Fair Credit Reporting Act, they can only report your debt for 7 years, starting from the DAY YOU DEFAULTED on the loan.  Many people are reporting that it begins on the date of the last transaction.  They are wrong.  Read the info in the sources below, I think it states it pretty clear.  If that's not good enough, I can send you a copy of an FTC position statement to clarify it even more.\n\nNow, many times collection agencies will purchase an account, and not really know when the default date was.  So they will simply place whatever date they want on it.  This "date bumping" is illegal, and if you can prove it you can sue them for $1000.  If you have any past bills or paperwork, examine it.  Check the reporting date on your credit report.  If it is wrong, protest it and get the whole negative report removed from your record.  \n\nThe reason they get away with this is because you don't know the law.  So they will take advantage of that to harrass you.\n\nNow, as for actually collecting the debt, check the statute of limitations for your state.  After that date, you no longer have a legal obligation to pay them.  The can continue to try and collect, but any legal action can be tossed out of court due to the expired SOL.  \n\nRead the links below for more information on this.  \n\nYou are fighting a war with creditors.  Do not fight them unarmed.  Knowledge of the law is your only weapon!  Get armed and read the links below!!!
205914
All they need is your name and address.  The agency will simply match those two items, and BINGO!  They got you.\n\nMy advice?  If you already have bad credit just ignore them, wait for a collection agent to call you, then try negotiating a payment plan.\n\nIf you have a clean record now, it doesn't make sense to ruin it over a $330 debt.  Try to get it paid off.