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Posts tagged with: credit

Names and Debt…


My husband has a very common first name. Paired with his somewhat common last name, it’s fairly easy to confuse him with another person on paper. Over the last year, it has started to cause problems.

I’ve mentioned before, there is a person with my husband’s name who has awful credit and is in collections on multiple accounts. We live less than 15 miles from each other.

Lazy collections companies do searches based on first and last name and proximity to the last known address resulting in…

My husband getting A LOT of collection calls lately.

He has to call each one, straighten out the confusion, and pray they stop calling. Some do. Others don’t. But whenever one stops, another starts.

I thought we were the only ones who suffered from this annoying problem until I shared my annoyance with my dentist. She laughed and said she and her husband had the same problem – they even had to fight a lien against their home!

Based on the sheer annoyance and time spent fighting this never-ending battle, we’ve decided to name our child 457983. That way, our kid won’t have annoying collections calls that don’t belong. Sure, they may struggle through elementary school but they’ll thank me later.

Is it just us? Or do you have the same problem?

A Collections Call…


Once upon a time, a very long time ago, my husband’s family member took out several cell phones in his name. The bill wasn’t paid and went into collections in 2002. After we married and I took on the responsibility of bill payments and credit checks, I found the collections record on his credit report in 2005. At that time, we weren’t making much, living in a tiny apartment, and didn’t have more than $1,000 to pay off the collections debt.

The collections record finally fell off my husband’s credit report in February of 2009 and I assumed we could move on.

Dave Ramsey says collections follow you for the rest of your life.

I didn’t believe him…

Until my husband received 8 phone calls from a collections agency this week.

I told them my husband’s address was correct as listed on his credit report and if they had anything to send us, to send it through the mail because I sure as Hades wasn’t going to give them any information or promises of payment over the phone. Not surprisingly, they didn’t appreciate my response.

This… is when I start banging my head against the wall.