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another credit question?
my fiance and i are trying to clean up our credit and last yr when i visited this idea i noticed two things that concerned me with on his credit: one...he got a credit card it the mail (4 yrs ago) and never activated it. there was a fee of 130$ when u first activate, huge intrest rate, i kept it in case there was an emergency...and he could use it as a second ID when cashing his checks ( did not have bank account) We ordered direct tv and they require a credit card, they never charge anything on it, they just run it, and i knew this to be true because i had done it in the past with my debit card and they ran it for zero dollars.. again never activated. never used again, but yet yrs later this credit card showed up on his crit with a 30$charge from direct tv. direct tv says their records show we paid nothing. the other is he got a car, got behind on the payments and turned it in and the remaining balance was paid but it says he still owes like 5 grand...it was a shady dealer so im thinking if we dispute it they wont have the records to proveit and its like 9 yrs old...
1 Answer
- Anonymous1 decade agoFavorite Answer
Re the car deal..........Pay nothing. It's past the statute of limitation. They can't put it into a collection agency and report it on the credit report. Challenge the charge of $30 in writing on the card demanding reversal as Directv says they didn't charge you. Do it before 60 days from billing. Get in touch with Directv and request a letter from them stating they never charged the card. You need everything in writing.