collection agency

[carol]

Has any one heard of CTI? I have sent many lettters to collection agencies and they stopped calling. Now, after at least 8 months, I have this one calling. They are on my recorder every other day. My husband picked up once and they aksed him if the last 4 numbers of his social security is collect. He hung up on them. I did look for the address but found a few. Do not know which address to use and should I send the validation letter? I did not receive a bill from them yet. The others never did validate. What do I do next? I would like my name out of the credit bureau. Where can I get a free credit report for my husband and me? Most important, would they email me my credit report. My husband would die if he saw that his credit is bad. I could not have the credit report come to my home. It's a long story, years ago, my daughter had used our credit cards with my permission. I have written many times before. DocDon had told me to file a complaint against one of the collection agencies some time ago because they had called my stepson and told him that I owed money for a credit card. I was scared and did not take his advice. I know my name is in the credit bureau because i got denied credit a year ago from radio shack. Nerves are bad again. Please help. thanks again. Carol

[paw67]

I haven't heard of CTI but you can go to freecreditreport.com and get a free copy of your credit report. I believe it is Experian. If it is on there, it should also have the address so that you can contact them. Good luck!!

Patty

paw67

[carol]

Thank you very much. Should I then write to the credit bureau and get my name out because none of the credit agencies validated? They just kept passing my credit cards to other credit agencies. I then would send the letters out again. thanks, carol