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標題: Credit problem? [打印本頁]

作者: low_B 時間: 2008-12-3 10:29 標題: Credit problem?

I received a call today that is 1800, he said he represent a&b sound to collect (so is HSBC) a loan. I didn't had anything from a&b sound. He ask me my birth date, last four digits of SIN. He told me the address but that not correct from mine. So , what should I do now, he ask me to paid.....but of coz, why I need to paid, that not my stuff!!! will that effect my credit? what should I do now? call police?

作者: siuyudim 時間: 2008-12-3 10:38

nope, get a credit evaluation for yourself. both equifax or transunion is good...

作者: shutterbug 時間: 2008-12-3 10:44

so the collection company made a mistake or is this a scam?

作者: qqmaro 時間: 2008-12-3 10:46

Did you ask for a call back number or reference number? without those, you can't even trace back , can't do anything

I got my credit evaluation from transunion a few years back, it was quick and easy.

Contact them and see your credit report, if you see anything unusual, let transunion know

作者: siumaibb 時間: 2008-12-3 10:55

sounds like a scam wor...

作者: starbug 時間: 2008-12-3 10:59

我覺得你瀬咗嘢...

作者: low_B 時間: 2008-12-3 11:21

原帖由 siuyudim 於 3-12-2008 10:38 發表
nope, get a credit evaluation for yourself. both equifax or transunion is good...

Where can I get it?

作者: qqmaro 時間: 2008-12-3 11:54

Go online - www.transunion.ca

作者: Littleprince 時間: 2008-12-3 12:14

你似乎比人盜用左身份﹐需要先拿信貸報告﹐TRANSUNION 同 EQUIFAX 兩間都要拿﹐證實有人盜用你身份借錢就要報警﹐然後拿著報警的資料告訴信貸公司你是給人盜用身份了﹐這樣應該不用你付款﹐不過總之好多手尾﹐好麻煩。。。不過煩都要搞﹐第一﹐你唔搞呢個人繼續用你身份借錢你就更慘﹐第二﹐如果你堅持唔還亦唔掂﹐你信貸會變得很差﹐總之只能怪你自己唔好彩﹐很同情你啊。。。

奉勸大家真的要好好保存私隱﹐特別是工卡 (SIN) 號碼千萬不要給人﹐卡不要遺失﹐最好不要帶出街﹐放家中或保險箱吧﹐記著號碼﹐只在有必要時才給人 (例如開投資戶口) 這是最關鍵的。。。當然這是加拿大的荒謬﹐可惜我們無法改變﹐只有自己小心喇。

網上給予任何資料特別要小心﹐不是 100% 信得過的人不要給。

作者: kaimui22 時間: 2008-12-3 13:48

Once we received a phone call from a collection company too...they said my husband owe Shaw 2 months of service charge from 6 years ago. We kept asking them for the name on the bill as well as the address that was owing money...so they told us the info and send us a letter. Turns out the name AND the address was wrong!! It wasn't us at all...so I ended up calling Shaw and telling them to tell the collection agency to stop calling us and to remove the collection report. In the end, after 4 weeks and non-stop calling, they finally send us an apology letter and a letter from the credit bureau proving that they had removed the collection from our credit.

So even if you get the problem resolved, MAKE SURE they remove the info from your credit report. Also get them to pay for a credit report and send you a letter to prove that you in fact did not owe any money.

作者: Littleprince 時間: 2008-12-3 15:52

唉﹐就算搞掂個 FILE 都好花 (即係話個 REPORT 好多野﹐未必影響到你﹐但人地一看就會注意到有野﹐點都麻煩少少﹐始終個 FILE 乾乾淨淨係最好)﹐總之比人看中 impersonation 就真的好黑仔﹐當然大家可以自保的就是嚴格保密個人資料﹐其實好多野你都有權選擇講與不講﹐身份證你有權不給他們影印﹐即使是開銀行戶口。。。大家有時間上政府網站看看私隱權吧。

作者: B2L2 時間: 2008-12-3 16:27

Sounds like what happened to me 5-6 years back. It's a fraud. LittlePrince, don't make it sounds like the end of the world. Yes, it is troublesome to deal with (many phone calls), but fraud is really obvious for those whoever need to look in your credit.

It happened to me and I don't have a single problem to open any account or morgage till today.

作者: low_B 時間: 2008-12-3 17:08

I'm too mad today, I forgot to ask the phone # to call back....what should I do now, I never get any statement...

作者: kaimui22 時間: 2008-12-3 18:00

原帖由 low_B 於 2008/12/3 06:08 PM 發表
I'm too mad today, I forgot to ask the phone # to call back....what should I do now, I never get any statement...

Even if they don't call you back...i'm sure the collection agency will send you a threatening letter soon. And usually the phone numbers they give you to call back are useless...its usually some directory or operator that will refuse to connect you to the person dealing with your file.

Better yet, contact one of the credit bureaus, get your credit report and see which company placed the claim on your file.

作者: Littleprince 時間: 2008-12-3 18:16

原帖由 B2L2 於 2008-12-3 17:27 發表
Sounds like what happened to me 5-6 years back. It's a fraud. LittlePrince, don't make it sounds like the end of the world. Yes, it is troublesome to deal with (many phone calls), but fraud is real ...

無錯﹐人人情況不同的﹐如果我沒猜錯﹐你應該有正當職業及不錯的入息﹐因為如果你其他方面看落沒問題﹐就會影響少D囉。。。

好啦﹐不好意思﹐或者我嚇怕了大家了﹐因為我看過那些 FILES﹐知道若這些事情發生﹐FILE 係有很多野好多 WARNING﹐而無論何人看見這些﹐都會特別注意及小心﹐當然樣好的所受的影響會細D。。。

作者: low_B 時間: 2008-12-3 18:44

So for the credit check, I choose the score one?

作者: Littleprince 時間: 2008-12-3 19:23

原帖由 low_B 於 2008-12-3 19:44 發表
So for the credit check, I choose the score one?

最理想係拿一份詳盡的報告。

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