Hello, I am Derrick.. I'm 22 years old, i recently pulled my credit report just for curiosity and i find out that i have a medical bill on my report from equifax also a credit card in my name from capital one and a verzion bill from 2004 in my name... I got the verzion bill it my name removed ( i was only 11 years old at the time!!) my father when i was younger used my ssn number all of the place and recently i have got contacted by someone on line saying they "seen" my ssn and all my information online (i called bullshit but they repeated all my information to me) so i think I've been a victim of fraud or something! can someone please help me out.. I am a father of two children and buying a new home is important to me!
my 3 fico scores are 455 eq 557 tu 469 experian
I've been doing A LOT of research on how to fix this and i landed here i hope someone with experience could help or guide me into the journey of better credit ; i know its not a instance fix but it will take time and patience! thank you all for hearing me out
Your personal details (name, email address and phone number) will be delivered to the company advertised on the Creditmagic after ve agreed to go for the counseling session by filling out the no-obligation form. However, it is your discretion to accept or reject their services.
Not all the creditors/debt collectors agree to trim down the outstanding balances, interests, and fees payable by the consumer.
Consumers working with the debt relief companies can still be sued by the creditors/collection agencies.
Debt relief services may have a diminishing effect on the creditworthiness of the consumer. The total outstanding balance may increase as the additional fees get accrued.
The overall amount saved by the consumer through the debt relief services is considered as taxable income by the IRS.