zdevilinside

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About zdevilinside

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    Soest, Germany
  1. zdevilinside

    Living outside of the country - new "bad" credit from the US

    I will ask but I believe it was 2014. That was when the phone was turned off for non-payment. He seems to think if he starts paying down the debt now, it will be on his credit history for 7 more years whereas if he waits it out, it will come off in 3 years.
  2. zdevilinside

    Living outside of the country - new "bad" credit from the US

    Okay. Thank you very much for the tip. I have to decide which Mexican police department would be best for this issue. As for trying to make a case of "How could it have been me?", that is exactly the case. How could it have been me if I was out of the country and nowhere near where the accounts were opened? I haven't been back to the city that the "Care Credit" account was started nor within 1000 miles of where service was performed with that credit card. I hope that makes more sense. Now for something different. My nephew had his cell phone turned off for non-payment 4 years ago. About 5 months ago, this account was put on his credit report as a new collection account. Instead of showing the debt as occurred in 2014, it shows 2018. Is that considered "re-aging" of a collection account?
  3. zdevilinside

    Living outside of the country - new "bad" credit from the US

    1 - The length of time in the US hasn't had a single ER visit nor have I filled out a credit card application while there. 2 - The # to call the local police where I last lived in NM goes to voicemail and when I have left messages, they haven't called me back. Albuquerque, NM is one of the worst in the nation about this type of thing. The only real way to actually get through to them is via the emergency #.
  4. zdevilinside

    Living outside of the country - new "bad" credit from the US

    I have been in the US a total of 12 days over the last 3 years. In fact, I am not in the US now. Is there a way to file a police report for this type of thing from overseas?
  5. I have lived outside the United States since March 2015. I make sporadic trips back for less than a week at a time now. I have had new collection accounts show up from things I supposedly did while I was outside of the US. I have sent copies of my leases in Germany and Mexico showing I wasn't in the country during the time that the accounts supposedly would have been opened. The collection companies have come back and stated these accounts do belong to me and refuse to remove them - they validated the accounts. How can I have this derogatory debt removed from my credit history? I don't remember opening these accounts, the accounts were created after I had moved to another country and I do not remember doing any business with them. On a rhetorical note - how could I have gotten ER treatment in the US during a time I was living in Germany? How could I have opened a "Care Credit" account used for vet bills in the US when I was in Germany at the time? I also had some happen after I returned to the Western Hemisphere and it might be possible if I leaved near the border but I am down in the Mexico City area.
  6. zdevilinside

    Re-aged account?

    A long time ago, I went to Mexico with my cell phone. The phone was cloned and it showed me making calls within minutes of each other from Monterrey, Guadalajara and Mexico City - I wish I could travel between these cities within 10 minutes! When my bill came in from Verizon, I refused to pay the bill and told them there was fraudulent activity on my account and I wouldn't pay until it was fixed. They told me that I needed to pay the amount owed and any credit I receive would be applied to future bills. No way am I going to pay $6k out of my pocket and then wait to get credited on my account once the investigation was concluded. This happened in 2015. Surprisingly, when I woke up this morning, I had a notification stating my credit score went down. There was a new collection account - for Verizon. The company that is trying to collect has shown the account went into collection this month. Can they re-age an account like this? What can I do to get this fixed?