Here is cocktooth's Credit situation, and maybe one of you can gain knowledge.
18 years old with a credit card. Paid it to zero balance for a year. Maxiumum balance was pushed up to 5,000 from 300 in 2 years. Ended up with 3 cards in that span. Paid them perfect, along with student loan payments til I was 24 1/2. Bought a car with a 790 score on said credit cards and student loans.
Lost my job and stopped paying everything. At that time, I had 2 outstanding credit cards, along with my truck loan. Truck gets repo'd. After 2 years of faulting on everything, started paying a year and a half ago on them again. I now have nothing on my bureau besides my current truck payment. My score was a 542 when I bought the truck, and now is a 612. That is my trans of course. I've played the ups and downs of credit, and it isn't a fun game.
Also, some of you might be able to help me. I have a debt collection company calling me. Their name escapes me at this time. They are telling me they are collecting 648 dollars in debt. At first, I was just going to pay it off and be done with it. Then I thought about it and ran my bureau. I had no debt besides my truck. I researched this company and there were a ton of reviews about this being a spam company. They told me that their debt can be found on my experian report, which we can pull but don't. I pull it, and it's still clean, yet these people are still running my credit. How can I stop this, and does this fall under identity theft, when I know I have no more debt?
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