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	<title>Ask the Lawyer @ Dear Esq. &#187; Credit Reports</title>
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		<title>My Cell Phone Provider Charged me for Service Although I Canceled my Account, What Should I do?</title>
		<link>http://www.dearesq.com/my-cell-phone-provider-charged-me-for-service-although-i-canceled-my-account-what-should-i-do/</link>
		<comments>http://www.dearesq.com/my-cell-phone-provider-charged-me-for-service-although-i-canceled-my-account-what-should-i-do/#comments</comments>
		<pubDate>Mon, 26 Mar 2007 15:00:35 +0000</pubDate>
		<dc:creator>Anon</dc:creator>
				<category><![CDATA[Contract Law]]></category>
		<category><![CDATA[Credit Reports]]></category>
<category>cell phone charges on a canceled account</category><category>contract law</category><category>credit law</category><category>credit report</category><category>termination clause on contract</category>
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		<description><![CDATA[I live in Michigan and had cell phone service with Centennial.  My 2 year signed contract ended in 2002.  I canceled my service on Dec. 16, 2006.  I just received a bill for one more additional service from Dec. 16, 2006 through January 16, 2007. I was told that in my contract it indicated I must give them 30 days notice to cancel, or I would pay an additional 30 days service after I canceled my service.  With my contracted expired, how can they do this?]]></description>
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		<title>What to do When a Credit Bureau has Incorrect Credit Information</title>
		<link>http://www.dearesq.com/what-to-do-when-a-credit-bureau-has-incorrect-credit-information/</link>
		<comments>http://www.dearesq.com/what-to-do-when-a-credit-bureau-has-incorrect-credit-information/#comments</comments>
		<pubDate>Wed, 20 Dec 2006 15:00:30 +0000</pubDate>
		<dc:creator>Ray Everett-Church, Esq.</dc:creator>
				<category><![CDATA[Credit Law]]></category>
		<category><![CDATA[Credit Reports]]></category>
		<category><![CDATA[Finances]]></category>
<category>credit bureaus</category><category>Equifax</category><category>incorrect credit information</category><category>wrong credit information</category>
		<guid isPermaLink="false">http://www.dearesq.com/?p=418</guid>
		<description><![CDATA[I was recently trying to purchase land and bank pulled my credit report  I noticed Equifax that they had my sister-in-law and my credit all mixed together. They morphed us into one person with my social security and her birthday. After making that discovery I checked the other two credit bureaus and they had the correct information, it is only Equifax that has this problem. I haven't been able to purchase the land because I would have been charged more in interest rates because of my lower credit score.]]></description>
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		<title>I Can&#8217;t Always Pay the Full Amount on Medical Bills, But I Pay What I Can. Does this go on my Credit Score? Can They Turn me Over to Collections?</title>
		<link>http://www.dearesq.com/i-cant-always-pay-the-full-amount-on-medical-bills-but-i-pay-what-i-can-does-this-go-on-my-credit-score-can-they-turn-me-over-to-collections/</link>
		<comments>http://www.dearesq.com/i-cant-always-pay-the-full-amount-on-medical-bills-but-i-pay-what-i-can-does-this-go-on-my-credit-score-can-they-turn-me-over-to-collections/#comments</comments>
		<pubDate>Tue, 05 Dec 2006 15:00:23 +0000</pubDate>
		<dc:creator>Michael Durgavich, Esq.</dc:creator>
				<category><![CDATA[Credit Card Debt]]></category>
		<category><![CDATA[Credit Reports]]></category>
		<category><![CDATA[Finances]]></category>
<category>collections</category><category>credit law</category><category>credit score</category><category>health insurance</category><category>late payments</category><category>medical bill</category><category>unpaid bills</category>
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		<description><![CDATA[Sometimes it is hard to come up with the full amount, if all I send in to the billing dept A  of the hospital A  is ten dollars ,does that not still have me making an attempt to pay this bill.]]></description>
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		<title>Can You Report a Minor to the Credit Bureau for Unpaid Medical Bills?</title>
		<link>http://www.dearesq.com/can-you-report-a-minor-to-the-credit-bureau-for-unpaid-medical-bills/</link>
		<comments>http://www.dearesq.com/can-you-report-a-minor-to-the-credit-bureau-for-unpaid-medical-bills/#comments</comments>
		<pubDate>Sat, 30 Sep 2006 15:00:55 +0000</pubDate>
		<dc:creator>Michael Durgavich, Esq.</dc:creator>
				<category><![CDATA[Credit Card Debt]]></category>
		<category><![CDATA[Credit Law]]></category>
		<category><![CDATA[Credit Reports]]></category>
		<category><![CDATA[Health Care]]></category>
<category>credit bureau</category><category>credit report</category><category>medical bill</category><category>minors</category>
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		<description><![CDATA[Can minors be reported to the credit bureau for parents not paying their medical bills?]]></description>
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		<title>Is an Unreported Debt Still Valid?</title>
		<link>http://www.dearesq.com/is-an-unreported-debt-still-valid/</link>
		<comments>http://www.dearesq.com/is-an-unreported-debt-still-valid/#comments</comments>
		<pubDate>Fri, 13 Jan 2006 18:24:04 +0000</pubDate>
		<dc:creator>Anne P. Mitchell, Esq.</dc:creator>
				<category><![CDATA[Credit Reports]]></category>
		<category><![CDATA[Finances]]></category>
<category>credit reports</category><category>debt</category><category>debt management</category>
		<guid isPermaLink="false">http://www.dearesq.com/?p=145</guid>
		<description><![CDATA[If a debt does not show up on a credit report, but then does a year later, is the debt valid?]]></description>
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		<title>Credit Reporting Agency Sent Credit Report to Wrong People!</title>
		<link>http://www.dearesq.com/credit-reporting-agency-sent-credit-report-to-wrong-people/</link>
		<comments>http://www.dearesq.com/credit-reporting-agency-sent-credit-report-to-wrong-people/#comments</comments>
		<pubDate>Thu, 01 Dec 2005 14:53:22 +0000</pubDate>
		<dc:creator>Ray Everett-Church, Esq.</dc:creator>
				<category><![CDATA[Credit Reports]]></category>
		<category><![CDATA[Debt Management]]></category>
		<category><![CDATA[Finances]]></category>
		<category><![CDATA[Privacy Law]]></category>
<category>credit report</category><category>credit reports</category>
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		<description><![CDATA[Credit reports sent to the wrong address can be a problem.  What can someone do when their credit report is sent by the credit reporting agency to the wrong address, potentially exposing them to identity theft?]]></description>
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