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Now collection agencies start calling you day and night. Or if you answer the phone, record the conversation. This is all happening between three and 12 months after you stopped paying on your debt. So record the conversations and try to get them angry. They use fake names like “Dick Brockman” and they say things like “In five days we have to go to court and seize all of your assets.” Again, in some states this is illegal to say. One thing you always have the right to do: Say, “Show me the proof I owe this money.” Since the collection agencies got your name from a hedge fund that might have bought only part of your debt from another hedge fund, who knows where that original proof is? Nevertheless, you can get your credit score for free, full Trans Union credit reports and credit improvement tips, on Wallet Hub, at https://wallethub.com/join/ .While your credit standing is a very important factor it doesn't guarantee acceptance.At Credit we've partnered with leading banks and issuers in order to bring you credit card offers online.
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