if someone puts your name as a reference to either borrow money or get any form of credit and then defaults, does that affect your credit?
can this do anything to my credit? the collections agency seemed very understanding that i have nothing to do with that woman for over a decade and took my number off her lists, but i can't help but worry.
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M$4 Answers
Collection agencies break rules. They will call people's children and threaten the kids with sending their parents to jail. They'll call anyone they can and try many different angles to collect.
You and your credit should be safe.
I hope you keep up with your credit reports. Each of the "BIG 3" agencies gives one freebie credit report per year. You can order them all at once with the "Annual Credit Report Request Form" which is free. The form is available at http://ftc.gov/credit and www.annualcreditreport.com. You will get all three through this form (Equifax, TransUnion, Experian). The form is simple. You just need your basic personal info. The last item, you need to check the boxes for Experian, TransUnion, and Equifax. I got this information from my "Debt Cures" book which was very helpful.
HTH!
Thanks,
Jennifer
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M$
Personal experience
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M$
You can leave an optional "tip" with Mahalo's virtual currency, Mahalo Dollars. If you are asking a difficult question that might require some research, or if you'd like a wide variety of feedback, a higher tip often leads to more answers to your question.
M$
You can leave an optional "tip" with Mahalo's virtual currency, Mahalo Dollars. If you are asking a difficult question that might require some research, or if you'd like a wide variety of feedback, a higher tip often leads to more answers to your question.
M$
Thanks for giving me the best answer vote! :-)
You said it perfectly! Besides just having your name & social... there would also have to be a signature in order to take any responsibility. Thanks Jen