I am f**cked, someone help please !!

tonybui · 02-13-2010, 10:53 AM

Quote:

Originally Posted by kdoske

who is the creditor I'm confused. Credit protection should only be charged if you have a balance on your account. Typically is so many cents to the dollar. You should only have to call your creditor, whoever that is, and dis enroll from the credit protection service.

Having said all this, this has nothing to do with your credit score. Just pay your current credit protection balance and cancel and you should have nothing to worry about. The only way any of this would effect your credit is if you stop making payments.

p.s. Please move to appropriate section.

Well, they said I owed $15 for over 3 months so I'm afraid they reported me to the collectors and that would mess my credit score up.

VCuomo · 02-14-2010, 12:03 AM

Quote:

Originally Posted by tonybui

Well, they said I owed $15 for over 3 months so I'm afraid they reported me to the collectors and that would mess my credit score up.

In all probability, they did not - it's not worth it for $15.

Call the credit protection agency that you owe the $15 to, and raise hell. Tell them you did not intentionally sign up for their service and that you want the service cancelled and the $15 charge taken off of your credit card. If they push back, tell them if they don't you'll be contacting every consumer protection group you can find. Remember, if this happened to you, it's happened to others and they are probably used to this type of complaint - and they most likely don't want bunch of "official" complaints lodged against them.