Recent content by kimr0519

Oops, sorry, don't know how to use the reply function appropriately yet. I do know the different between a soft and hard pull, thanks. They pulled his credit as if they were extending us a line of credit.

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We have not lived in this house since 2010, as per our lawyer's advice, and it was foreclosed in 2014. And how do they not have to contact me? How am I supposed to know we owe someone money without them telling us that we do? Trust me, no HOAs ever again.

To make a very long story short, the ONLY reason we know about a debt collection attempt was because of an unauthorized hard inquiry on my husband's credit. *We have had zero written correspondence OR phone calls regarding this debt* We called the credit bureau and said that that is illegal, for...