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| *Loan,banking and credit>>>credit report |
Can a family member that thinks thinks i own them money for a bill report me to a credit agencies? |
I lived with my cousin for over a year. she bought me a cell phone for graduation. there was no written agreement for any type of payment but she would tell me one day im gonna have to start paying for my cell phone. nothing more said untill i moved of her house under bad circumstances and then she demanded paymets for the last year. She cannot report you to the collection agency on her own. You know you owe her the money, pay her. Noone buys you a cell as a gift and pay the bill afterwards. She is choose to, she can file a small claim suit. If she wins the suit, the credit agencies will list you in their files. To the best of my knowledge, she can't report you directly but she can take u to small claims then after she is awarded the judgement if you don't pay it can be filed on your credit score via the court system Modified 11 months ago Well, a person cannot report you to a credit agency, not as far as I know at least. However, if there was an oral agreement that you'd pay for the phone, they could take you to court if they wanted to to recover the payments. No...she has not authority to report you to the credit agency. The only one that can do that is a buisness that you have given you social security number and information to such as your DOB, Credit Card Number, etc...don't sweat it love You hold all the cards. If she gave you the cell phone, it's in her name. She can try and take you to small claims court, but you would probably win there too. She would have to prove that she reasonably expected you to pay, which after a year of not paying, that expectation is lost. Give her back the phone and be done with it. There is nothing in your name she can report. whatever the issue if she does you can go to the credit agency's website and challenge it. She will have 30 days to prove the debt exists or get it off. |
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