Credit Card Debt Liability

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they added the balance and lowed rhe limit, when i received my new card my score wenr from * r9 * i was in adverse actionm
It seems you're dealing with a complex issue involving credit card debt and credit scores. Arizona law doesn't specifically prevent credit card companies from lowering your limit, but the Fair Credit Reporting Act could be relevant for your credit score issue. Could you confirm whether you disputed this with the credit card company?
I need to iknow if this was credit card fraud, in * my husband died he had hgh limits for * yes i was aauthorized user, I called the credit card co told trhem what happen and i was told not to use the card i had they will send me a new card, when i oook at credit report my score wws * and i was adverse reearion, i called equifal and rhey said it was the credit card co0 that control credit score,,,
It's unfortunate that you're dealing with this. In Arizona:
- The Fair Credit Reporting Act protects against inaccurate or unfair credit reporting.
- The Fair Debt Collection Practices Act protects authorized users from being held liable for the primary cardholder's debt after death.
Did you dispute the credit report with Equifax?
this happen in * and theis credit score has followed me in * I didn't know whar happen i reyied to get answer = no one hlepf equiflax told me to jhire ledxinfton law wheo onoy ttook my money didnt helo,,,i have not been aboe to get a loan i need to eplain what happen but it will ne so long a lawyer would say no, so it i was to write a detailed emailo with proof to the attorney genteal would they do anything a out getting mmy money back]
Based on your situation:
- You may file a complaint with the Arizona Attorney General's Office.
- They can investigate potential violations of consumer protection laws.
- You might also consider a consultation with a lawyer specializing in consumer law.
Can I help you with information on how to contact the Attorney General's Office?
even if this started in *, the fact that i never inew about the dedt to ratio because it is not well know shouodnt this be sometjing that shouod ne addressed
Absolutely, it's important to raise awareness about debt-to-income ratio and its impact on credit. Consider sharing your experience with consumer protection agencies and credit card companies. This could lead to improved practices. Would you like help to contact the Arizona Attorney General's Office?
i need heop putting everything in order to show that from the beginning my right were violeted
To present your case effectively:
*. Start with the date and details of the initial incident.
*. Outline any communication with the credit card company and Equifax.
*. Document the impact on your credit score and financial status.
*. Include how this violated your rights under the Fair Credit Reporting Act and Fair Debt Collection Practices Act.
*. End with the unresolved issues and your desired outcome.
what is the ruke about debt to ratio and how this information was puboishized and people are aware of this rule, i am * and i never knew about this,
The Debt-to-Income (DTI) ratio is a personal finance measure comparing an individual's debt payment to their overall income. It's a significant factor in lending decisions but doesn't directly impact your credit score. There's no specific law requiring its disclosure, but financial education resources often mention it. It's crucial to consult with a financial advisor for a better understanding.