Comments on: India Debt Collection Call Centers – Who is Responsible?

By: Fred Kelly

Fred Kelly — Sat, 07 Mar 2009 13:37:39 +0000

I tried for two years to have adverse information removed from my credit reports. Finally, the other two major CRA’s removed the adverse information. However, Equifax refused to remove the item and in fustration I filed a complaint in federal court. Immediately, Equifax blocked access to Credit Keepers, my 3-in one credit report source. The reason given by Credit-Keepers was that Equifax reported that my Social Security number was incorrect. I mailed Equifax a copy of my social security number, telephone bills, light bills to comfrim my identity. Nevertheless, I’ve not received acopy of my report. I believe that I will eventually get them via discovery, but I noticed that equifax was reporting one thing to Credit Keepers and another in their files. Fred Kelly

By: Improve Your Credit Score

Improve Your Credit Score — Wed, 03 Sep 2008 18:29:32 +0000

A good question. Yes, I’ve seen and noticed many call centers and Collection agencies are from India, uk, Canada and one call center for magazine subscriptions was even from inside a prison in the U.S. As for collection agencies…well, first of all, yes they are supposed to act in accordance with any law of a company they represent. The problem is,… they aren’t really concerned either way. Think about it, why are they even calling you? You owe money. And since it’s a collection agency, that means it’s been a long time since you made any payments on the particular account their calling about. The bottom line is, they know they’re in the power possition and when it becomes who’s word is taken first, they always come ahead. So the only power they have, is the power you allow them, and unless they manage some kind of judgement on you against property or your wages (if there is any) then there’s not much they can really do but annoy you.

By: Students College Financing

Students College Financing — Wed, 20 Aug 2008 23:44:57 +0000

One thing I try to tell my students, is that when they have problems paying for their Student Loans, before considering any Debt Consolidation, they should first talk to the provider of the financing. Most Students don’t realise that their Loans can be re-writen with new terms to help their situation.