Credit problem? Credit, problem

low_B

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?

siuyudim

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

shutterbug

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

qqmaro

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

siumaibb

sounds like a scam wor...

starbug

我覺得你瀬咗嘢...

low_B

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?

qqmaro

Go online - www.transunion.ca

Littleprince

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。

kaimui22

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.