Federal Credit Report Act
2010
What do I do if I’ve been declined for a credit card with an unknown delinquent account?
I recently applied for a credit card and was actually declined with very minimal credit history. I’m an savvy college student in my undergrad study, and I knew that I can obtain a free credit report under the federal Fair and Accurate Transaction (FACT) Act. I checked my credit history and evidently I’ve been delinquent on a $133 medical charge from my freshman year (over 3 years ago at this point). It’s a company which does radiation scanning, which is strange – since I’ve never needed radiation scanning in my life.
I’m not as informed about credit-issues as many adults in this forum. I’m wondering why this would adversely affect my credit history, why this would be the first time I’m hearing about the delinquency (shouldn’t a collector notify me?), and I’m wondering if anyone has any recommendations for moving forward.
I’m overwhelmed to be honest. I can’t believe I have a charge that’s been adversely affecting my limited credit history for 3 years without my knowledge.
Be glad that you cant drive yourself further into debt…..pay cash….if you dont have the money to buy it then dont buy it…….DEBT IS STUPID
Your money is safe at Class Act Federal Credit Union
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Regulation of Debit Interchange Fees – CRS Report $0.99 Although the United States has seen continued growth of noncash or electronic payments, debit card transactions outpaced credit card transactions and other forms of payments in 2009. When a consumer uses a debit card in a transaction, the merchant pays a “swipe” fee, which is also known as the interchange fee. The interchange fee is paid to the card-issuing bank (the consumer’s bank that issued th… |
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Annual report to Congress on the Equal Credit Opportunity Act $13.99 … |
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