I heard something very interesting on the Dave Ramsey show today. He was pointing out that, when it comes to finances and credit, you're guilty until proven innocent. For example, if a company says you owe them money, they can send you to collections. They don't have to prove it. They just tell the collections agency you owe it. Bam! It's on your credit report. So, at this time it's not going to move until you prove your right and they're wrong.
If you work with a large company in customer service, you will get ID Theft calls. A customer will call in and claim it's not their account. They just found out about it through the collections agency. At this point, the customer has to jump through all kinds of hoops.
If you work with a large company in customer service, you will get ID Theft calls. A customer will call in and claim it's not their account. They just found out about it through the collections agency. At this point, the customer has to jump through all kinds of hoops.
- Fill out a federal affidavit which is 5 pages long.
- Get it notarized
- File a police report.
- Get a copy of your driver's license and social security card and
- Proof of your residence during the time in questions.
- Send it all in for the company to decide if your telling the truth or not.
I hear a lot of upset customers over this. What surprises me is they think only the one company has this policy. It's pretty standard policy across the board.
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