Expert: Creditwrench - 6/17/2008

Question
Greetings,
I was the victim of fraud. Someone opened a Sprint PSC account using my social back in 2003. I found out about it late 2007. I went through the arduous task of proving the activity was fraudulent and Sprint finally resolved the account.

This is where it gets really bad. Unbeknownst to me, Sprint sold the account to a collection agency and never reported that the account was opened under fraudulent means. The Credit reporting agency then escalated the account to their legal department and filed a judgment. I called the law group/collector and explained the situation, faxed all documentation necessary to prove that Sprint had cleared my name. He told me that they were going to file a Set Aside Judgement.

Obviously, I was concerned. I asked how this would impact my credit report. I was informed that the judgment will stay on my credit file for seven years, and that my credit score would be probably be negatively impacted.

Is there anything I can do to remove this judgment? Or am I stuck like the collection agency suggested. I am frustrated and perplexed. Any advice would be greatly appreciated.

Thank you,
Jachob Smith


Answer
The answer is pretty simple. If they do file a lawsuit against you then file a response to the lawsuit and since you can prove that Sprint said you don't owe them anything you can easily subpoena Sprint in to testify
on your behalf then when it gets dismissed file a lawsuit against the debt collector for filing a false & frivolous lawsuit on you.

You can also file a federal case against them with no problem after that. Teach them a hard lesson.

Bill Bauer
405-684-9297
405-227-9423

RECOMMENDED READING:
www.creditwrench.com/howjudgmentswork.html
www.creditwrench.com/18questions.html
www.creditwrench.com/Howtodefeatdebtcollectors
How to set up your hard drive for creditwrench files. Makes them easy to find.
http://consumers.creditwrench.com/sh...=7351#post7351
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