Credit Bureau Services Inc.

Need some advice on car buying Credit score is 690(Back when I was with my parents had a authorized cc with a 778 credit score , opened my own cc after I moved out and lost my car , got capital one savor , $3k limit (used 2.9k on card and just paid off $500 hasn’t updated my score paying another 1700 by the end of next week) so basically down to $1k statement balance but I got a really good paying job in IT around 45 an hour and I’m sometimes working multi 10 hour shifts and will be getting around 4.6k this paycheck (-1.7k) so \~3k and I want to get insurance( I know its monthly) but mainly I have to get a car and since my credit score dropping going via a credit bureau would be hard since for tax purposes my boss also hired me as a “consultant” to avoid 1099 for the first 1000 hours and what not but I want to get a nice reliable car and for the research for a medium amount of miles and reliable car its around 7.5\~10k and was looking into acquiring a personal vehicle loan from Upstart for 7.5k and get a car (APR-32.5%) but I’m looking to pay off the entire loan in 2-3 months at most, and for budgeting my personal life my food is factored in and my living situation is free for time being, my question is if Upstart is good to go via and will getting the loan will I get approved with my current way of getting paid , and then smart to pay it off within 3 months to get a car (I need one urgently but don’t want to screw my self with a bad condition car)

Lifelock is now a scam company under Norton We signed up with Lifelock years ago, recently I could not get into my account to review it, spent over 90 minutes on the phone, the agent wanted me to allow them to remote into my laptop, essentially giving them access to my entire life. Attempted to reset my password on three different browsers and two different laptops, nothing worked. They kept giving the old "It's on your end" excuse. They billed up for this year's subscription, confirmed on my credit card statements. Was able to login a month later, using the passcode sent to my email, but cannot use my password, and it won't let me reset the password, it sends me back into the loop of constantly resetting it but no access. Website says that I am enrolled, but when I click on details, says I am no longer subscribed. Called customer service, which was completely and totally worthless. They now have me set up for a call back tomorrow with somebody else, so more of my time lost. Under Norton, this company has become a scam operation. Through them, I had thought I locked all my credit accounts, and locked people opening up utility accounts and other accounts in my name. Since I couldn't go through Lifelock to unlock my account for a specific purchase, I went straight to the credit bureau, only to find, my account had never been locked. Lifelock totally lied to me about locking anything, and now I suspect they have done absolutely nothing whatsoever, save bill me. Will leave a complaint with the State Attorney Generals Office and BBB, but Norton is a multi-billion dollar company and in America, that means they can commit any crime they want and walk away smiling.

Landlord sent move-out charges to Collections Location: Buffalo, New York I moved out of off campus student housing in August 2025 with multiple roommates. Months later, I found out a $689 balance had been sent to collections and reported to my credit. I am disputing several of the charges, especially furniture replacement charges for a sofa and bedframe, because I was never shown proof that I personally caused the damage. Some charges are also split as “1/3” liability even though there were 4 roommates, including one who moved out earlier, so I do not understand how my share was calculated. I also do not remember receiving itemized move-out charges or supporting documentation around the time I moved out. I already requested validation from the collector, but they initially said they did not yet have the supporting documents and will get it from my landlord. I would like advice if anyone has encountered the same, the dispute process, and the best way to handle the collection and credit reporting. Do you think i should dispute this with credit bureau too? Please let me know.

Credit bureau Location: New York Considering finding some attorneys to sue the credit bureau I have an open credit card with a balance on the credit bureau which they refuse to update always comes back with error and the balance never gets updated... My last update was January 1st we're about to be in June and still there's a balance on the report... Imagine if you close the account it would take 6 months I guess this is ridiculous.... The credit card I'm referring is Rakuten American Express power by imprint and first electronic Bank This problem is messing with my credit utilization as well I file a dispute to each bureau didn't work also try dispute with CFPB also didn't work...

This is a debt collector company. I fraudulently got put in collections. I disputed the collection and got it removed twice and they keep adding it back to my credit. I called them to asked about why they keep adding it back and they told me i need to pay them and they dont care what the credit bureau says . [BBB Scam Type: Debt Collections] [Business: Collection service of Nevada Date Re] [Location: NV, USA - 89403]

I RECEIVED THE FOLLOWING TEXT, KNOWING I HAVE NO TICKETS OR OUTSTANDING FINES. IT’S VERY UNPROFESSIONAL LOOKING AND CONTAINS NO INFO THEY KNOW ANYTHING ABOUT ME. PHISHING. Utah Court — Driver License Suspension Warning [Utah Court] Warning: Pursuant to Utah Amendment Code 4510.22, if you fail to pay the outstanding fine for ticket number UT-PQR78S9T-UVW24X5Y(violation date: December 28 2025) by March 28 (Saturday), in addition to the suspension of your driver license, a statutory late-payment fee of $150 will be immediately imposed. This case will be passed to a collection agency and reported to a credit bureau. No further warnings will be given. Please pay your outstanding fine by March 28 through the Utah Department of Motor Vehicles (DMV) online service website to avoid warning: https://utah.hskia.life/dmv (Reply A to reopen and click the link, or copy and paste the URL into your browser.) [BBB Scam Type: Government Agency Imposter] [Business: Utah Dept of Motor Vehicles Impostor] [Location: UT, USA - 84121]

THIS IS THE LAST AND FINAL CHANCE FOR YOU .On March 8, 2024, we already provided you a warning notification regarding legal procedures, but you did not reply by the deadline. We will file this lawsuit in court if you don't reply within the next four hours. Take this as a last caution. We will make sure your current employer takes stern action against you by emailing or faxing them about this matter. Wages and or salary will be withheld. Take this as a last caution If you would like to avoid these legal ramifications and establish a payment plan right now, please get in touch with us again; if not, we will take legal action against you. We regret that your present employer will also receive this letter. The time to complete this voluntary work is rapidly running out. Before this gets to the next stage, which is a lawsuit brought against you, you will no longer have the chance to settle it. Thus, you need to act right away. We will be obliged to take legal action against you. After it is filed, the creditor is free to notify your employer and references about the situation to the Credit Bureau. The next step will be a lawsuit that will cost $6300.00 and be entirely imposed on you, not including legal fees. We will release the court's clearance certificate and ensure that no one gets in touch with you in the future if you can handle this outside of court. [BBB Scam Type: Debt Collections] [Business: ATA LAW GROUP LLP 2007 Virginia Ave #251 Atlanta GA 30354] [Location: TN, USA - 37115]

This is the voicemail they left. “ his message intended to Christine Walt, since you don't want to cooperate regarding with your balance, with. So what we are going to do here is we were going to take a legal actions and we're going to serve you a card summon. And we were going to, um, send this with a credit bureau and we were going this, um, we will forward this under litigation process. So if you want to. Avoid. Those things, please call us back at 832-678-7181 extension 511 or you can go to. 1000000 meters dot com.” [BBB Scam Type: Debt Collections] [Business: Williams peters and associates Date] [Location: FL, USA - 33511]

Stamford, CT claims I have delinquent personal property taxes for vehicles # Current Location: NYC I received a notice TaxServ that I owe personal property taxes to the city of Stamford from over 12 years ago on two vehicles I owned back then. The interest and penalties are way more than the tax that is considered delinquent. I had a kid and for that reason we moved out of the state to NYC before that time and sold both my vehicles because I moved into the city (near my inlaws) so I am not sure how I owe this tax. The letter says I could provide proof to dispute the bill, but this is from more than a decade ago and I am not sure what proof I can provide from back them. Apparently, I should have cancelled my plates and showed up at the tax collector's office to take my car off some list. Also, how come they have not reached out to me if they thought I had an overdue payment (clearly, they know very well where I live), interesting that they are reaching out to me 12 years later to demand this payment! Why did they wait 12 years to contact me about this? Also, if I do not pay, what kind of measure they have to further pursue this? the town website says they may report it to the credit bureaus. Anyone have any experience with this? I will dispute this but what if they don't agree... [Delinquent Taxes | Stamford, CT](https://www.stamfordct.gov/government/administration/tax-collection/delinquent-taxes) **Motor Vehicle Taxes** Per state statute, delinquent motor vehicle taxes are reported to the Department of Motor Vehicles (DMV).  DMV will deny registration renewal on all vehicles in your name and any new vehicle registration until all taxes, interest, and fees are paid in full.  To obtain a clearance for DMV, payment can be made in cash, money order, or bank check at the tax office and clearance will be processed in 24-48 hours.  CLEARANCE FOR VEHICLE REGISTRATION IS NOT IMMEDIATE!  Credit cards, debit cards, or e-checks paid online require 3 business days before a

They leave this message on my voice mail everytime: Hello, this is a very urgent and time sensitive call from advanced financial servicing regarding your account that is being serviced by our team. Please contact the number shown on your caller ID now to be connected to the representative who is handling your account. Again, this call is urgent from advanced financial servicing. Please call now to be connected. Thank you. I don’t have anything on my credit report or collections or late fees. The phone numbers always change: +1 (858) 703-8231 +1 (707) 574-7585 +1 (279) 213-9923 +1 (951) 439-4431 +1 (818) 697-9284 I already reported this to the credit bureau as well [BBB Scam Type: Phishing] [Business: advanced financial servicing Date Re] [Location: CA, USA - 92324]

I purchases a ring off Ebay through Iratouchjewelry. The seller is defrauding the customers passing off fake jewelry through Klarna. The ring was supposed to be three Karat white gold engagement set. The diamonds are fake and so is the metal. Despite reporting the situation to Klarna with video proof; I am still being charged for it. I have disputed it and they refuse to return my money. Klarna is allowing this seller to get over on people and then Klarna is reporting the late payments to the Credit Bureau. This is affecting my credit. I shouldn't have to continue to pay for this product because I was defrauded by Klarna and this seller. [BBB Scam Type: Counterfeit Product] [Business: Ira_touch jewelry 1913] [Location: MO, USA- 63033]