One less thing to worry about Click here to comment

Well it looks like my credit fraud item has finally cleared itself up. I checked out my credit report on Experian, and it shows that as of the 29th of March (Today), there are ZERO potentially negative items on my credit report.

I just want to thank Mr. Frank Everett at Scott Lowery Law Office in New York… out of all the people who called me trying to collect on this account, he was the only one who mentioned the Fraud Affidavit found on the FTC website. Thanks.

I want to add the lesson I learned from all this. If you ever find yourself being accused of something you didn’t do, then don’t give up hope that you can disprove your persecutors. Knowing I had the truth on my side, I cooperated with the debt collectors, and actually inundated them with proof that I did not open the bad account. As far as debt collection goes, when the collector starts behaving like a bad reality TV actor, what with the screaming and threatening and general uncivility, chances are they are violating US debt collection legislation which strictly regulates what debt collectors are and are not allowed to do… this is why credit consolidation companies are able to write cease-and-desist letters. All a debt collector needs is a piece of paper saying to STFU, a letter that acts like a paper seal for so many asian demons.

-TJ