A Forced Absence

It's been a year and a half since my last post. So much has happened to me both as a quadriplegic and as a person intrigued with our credit system. I recently was contacted by a collection agency, stating that I owed on a bill from a power company. I found that a former caregiver had been using my information on their power bill. Everything was fine as long as the bill was paid, but before they were evicted from their home, they chose not to pay the final bill. Because it was in my name,(which I never knew), it showed up on my credit report.

According to the Fair Credit Reporting Act(FCRA), you must first dispute your issues with the credit bureaus BEFORE you go to the original creditor. That requires the credit bureau to initiate an investigation on your claim. I learned much of this vital information from a free Credit Repair Kit offered by a free website with thousands of free offers that will earn money for you. That web adress is http://allsolutionsnetwork.com/TE/TE19999

I wrote letters to the three major credit bureaus with proof of residence and expect to hear from them soon. The credit bureaus have a certain amount of time to respond before they are in violation of the law, whereby the issue may have to be removed from your credit report altogether. I'll keep you posted.