Consumer Blog
Accessing your free credit report
AG Nixon's consumer column this month covers this topic. It makes the point that there is only one place to go for a free credit report with no strings attached. (Hint: it's not the free credit report you hear advertised all the time). This is something everyone should be doing - it's quick, easy, free and one of the best ways to catch an ID thief.
Technorati Tags: credit, credit report, free credit report, id theft, id thief, identity theft, report, moagoconsumer, consumer protection
Posted by on April 2, 2007 9:19 am :: Comments (17) :: Permalink
17 Responses to "Accessing your free credit report"
says:
August 19, 2007 3:20 am
Travis: I have an out of state debt collector hounding me by phone. The credit card debt in question was charged-off by Providian National Bank in January 2003. The date of last activity was April, 2002. Now, Palisades Collection, LLC is trying to collect using that same account information. Is this debt now time-barred from collection in Missouri? In other words has the time ran out for legal collection of this debt? I believe Palisades went hunting for expired debts to illegally collect and found me. Thanks... Charles
says:
August 21, 2007 12:33 pm
Limitations differ for different types of debt, and among federal and state laws. Your best bet is to quickly file a consumer complaint with us, which you can do here:
http://ago.mo.gov/consumercomplaint.htm
says:
October 3, 2007 11:20 am
I do not understand Time-barred debts. I have Best Buy account showing on my credit report with a last activity of 02/05. I doubt this applies but could you please explain this?
Also this shows twice with incorrect information. I can not determine the reporting agency. Do I need to write all three agencies to correct this?
thank you
says:
October 3, 2007 11:36 am
Hi,
I have another question I have company appearing on my credit report for late rent on an apartment my daughter had in Ill in 2005. I did co-sign for the lease. The report has not contact information listed. What is the time-bar for this type of debt.
says:
October 4, 2007 4:40 pm
To Tom:
Date of last activity means the last time there was a transaction on that account - a charge, a fee added, a payment made, etc.
Most credit reports pretty clearly show the reporting agency, whether it's Experian, Equifax or TransUnion.
I would pull your credit report for free at any of the above (at annualcreditreport.com) and see if that entry is there. Then dispute it.
says:
October 11, 2007 6:02 pm
Travis: I was working on cleaning up my credit report. I called NCO Financial in Springfield Mo. to take care of a $130 hospital bill. I paid the bill and asked Mindy to fax a receipt to me and she said they would. I didn't receive it. I called Mindy again and she said there was other balances in my wifes name and that they wouldn't give me a receipt unless I paid them also. One was from 1999. So I paid them (even though I didn't think it was fair)and asked them to fax a receipt. Didn't get that one either. Called Mindy again and she said I had a few other small ones (one from 1998) to take care of before they would give me a receipt. I told her this is B-S. All I wanted was a receipt stating that I paid the $130 hospital bill and now I felt I was being blackmailed to get my receipt. Mindy said that NCO will not give a paid receipt if you have any other unpaid ones. What is the statute of limitations. I would like to know what (if anything) can be done. Thanks, Allan
says:
October 26, 2007 11:09 am
To Allan:
You can file a consumer complaint with our office. We successfully handle lots of complaints about debt collectors and credit reports.
says:
November 19, 2007 9:19 pm
I have a collection company asking for a payment on a debt that I believe is outside of the staute of limitations. What date or occurance starts the countdown? I have have read many articles but they give different answers. Is it the time that the last payment was made or when the account went to collections? Does it matter if it is internal collections? Or is there some other determining factor.
says:
December 21, 2007 5:33 pm
We got a call today from someone claiming that my husband owes for a store credit card from an account opened in 1991. Is there some kind of statute of limitation on this kind of debt?
says:
December 26, 2007 2:13 pm
To Marcie:
There are a couple of different blog posts I have referenced above. These will answer your question.
says:
January 6, 2008 2:42 pm
I have about 30 double sided pages of hospital bills on my credit report. I have heard that this would not matter when applying for an apartment rental. I have know other credit issues on my report but I do have numerous hospital bills.
Thanks
says:
January 11, 2008 4:56 pm
I paid rent to my landlord 470 in a money order and 71 in cash. When I went to the rental office to confirm that my payment was recieved, the manager told me that they recieved it and that she needed to check to see if the assistant went and got a money order for the cash since they don't except cash. That was on Monday evening. On Friday, I got a notice in my door saying I owed 71 dollars + late fees and that I need to vacate the premises for non[-pay6ment of rent.
When I inquired with the manager about where the 71 dollars was, she told me that she had one of the workers put the money in my door. The first I learned about them returning the money was when I received the eviction notice.
Unfortunately, I didn't recieve the money even though management is saying that they returned it. They kept the money order...but said they returned the cash.
Do I have any recourse?
The manager told me that my lease says that they don't accept cash payments.
says:
January 17, 2008 10:46 am
To Katie:
1. You should check your lease to see if it's true that cash is not accepted.
2. Your landlord will probably work with you on this. You tried to pay your rent, and it sounds like you're willing to pay what you still owe. I can't imagine they would want to evict you over this unless you have a negative history with them.
3. You can't be evicted without a court order. You will have the chance to explain your side in court before that happens.
says:
January 21, 2008 7:32 pm
Dealing with NCO and local hospital in WV, account was turned over to NCO & a WV attorneys office who collects for the hospital. Both N*C*O & attorneys office collecting for the same 4 accounts. - can 2 collection companies collect for the same account at the same time. I have lost my job because of the complaint I made to the hospital (I worked for attorney office who represented the hospital).
says:
January 22, 2008 9:29 am
To Pat:
You should check with the hospital to see who is authorized to collect on that account. Obviously, you would not want to pay both companies.
