Home
Public Forum
Credit Reports
Apply For Cards
Credit Directory
Credit Overview
Credit Problems
Credit News
International
Credit Glossary
Purchase Books
Credit Laws
Business Credit
Merchant Accts
   

Yet another JBC question....


[ Follow Ups ] [ Post Followup ] [ Credit Forum Index ]

Posted by sal (66.134.129.72) on December 31, 2003 at 19:43:37:

This is going to be longwinded so please bear with me! Here's the deal. My husband wrote between $500 and $1000 worth of bad checks between 8 and 9 years ago (before we were together). Anyway, despite not paying everything off his credit report is now better than mine and is basically perfect. Over the years he has received the occasional collection letter, sent to his parents' house where he lived 8-9 years ago, and we have payed the amounts that any CA has attempted to collect. There were never any phone calls, and the letters were few and far between. I'll admit we did not try to track down the CAs he owed money to, but if a company was bright enough to send a bill we payed it. I probably sent 2-3 checks to JBC over the years. Long story short, now that all of his debts are gone from his credit report, JBC seems to have purchased ALL of his uncollected accounts, and have again started sending letters to his parents' home, and have even started to call, after years of never calling at all. It's like JBC waited until his credit report was spotless, and THEN bought all of his debts, and are now bringing out all of the scare tactics. How do they do that? And why does my husband get at least 2 credit card offers in the mail each day, but JBC isn't clever enough to get his correct address? I'm assuming JBC and other agencies haven't known his current addresses over the years because all of our bills have always been in my (different) last name? Long story short, we are trying to figure out exactly what to say to them to make them stop contacting us via my poor in-laws (who luckily haven't given him up). Should I send a validation letter, or would simply telling them that the SOL (we live in VA) is passed good enough? Ironically, we are about to buy my inlaw's house, and will be moving there in 2-3 months. And in reference to a post below, is there really a way that the mortgage companies can bring up his old report info and see his 'shady' financial past? THANK YOU for any and all step by step help!


Follow Ups:



Post a Followup

Name:
E-Mail:

Subject:

Comments:

Optional Link URL:
Link Title:


[ Follow Ups ]   [ Post Followup ]   [ Credit Forum Index ]

 

    Top Of Page

  

Copyright © 1999-2003 Enkephalos Web Design