The three largest credit reporting agencies (CRA’s) have a big impact on your personal credit. These agencies, also referred to as credit bureas, are for-profit companies. Trans Union, Equifax, and Experian correction form letters are available on Household - HSBC Watch in their “Credit Bureaus” category seen here.
India is becoming a new hub for a highly competitive outsourcing field - debt collection services - with assurances of reducing debt recovery cost and the time needed for the process.
US industry executives say low-cost Indian operations could influence the $18 billion dollar-a-year collections business in America — pushing it towards a more focused and […]
Customers are seeing the name “HSBC Retail Services” and the address “Carol Stream.” It may come as a surprise to new customers, but this is the new name for Household Retail Services - Household International, a name equated with predatory lending. Household - HSBC Watch has almost five years of data on […]
Household Watch Consumer Advocates reminds consumers of the effects of having a credit card which is backed by a predatory lender. If the card company decides to process your payment as a late payment, and they report to the credit bureaus, your other creditors may decide to raise the percentage rate on your other credit […]
Household Watch - HSBC Watch defines identity hijacking as “when creditors and credit reporting agencies wrongfully distort one’s credit report due to errors.” When the consumer applies for a loan the mortgage company or credit card company does not see the real “you.”
Identity Hijacking started programming for the new web site which discusses
Settlements […]
Dec. 3, 2004 — A new federal law, entitled the Fair and Accurate Credit Transactions Act, went into effect this week enabling millions of Americans to get a snapshot of their credit history for free. The FACT Act grants consumers one free credit report a year from each of the big three credit reporting bureaus […]
HSBC and wholly owned subsidiary Household International still make the borrower submit to binding mandatory arbitration. CitiGroup does so as well.
While Household - HSBC contends that binding arbitration makes it easier for the consumer to get results and “funds” it does not look at the statistical results of binding arbitration.
Similar to knowing which cards […]
TRANS UNION CONSUMER SOLUTIONS
P.O. BOX 2000
CHESTER, PA 19022-2000
RE: Error on my credit report, case of Household Retail Services
There is an error on my credit report. I am [name] and my social security number is [number.] The error is on my Trans Union credit report as follows:
This is why the account is in error:
Household Retail Services […]
EXPERIAN INFORMATION SVCS
P.O. BOX 2002
ALLEN, TX 75013
RE: Error on my credit report, case of Household Retail Services
There is an error on my credit report. I am and my social security number is The error is on my Experian credit report and is as follows:
This is why the account is in error:
Household Retail Services reports the […]
EQUIFAX CREDIT REPORTING
P.O. Box 740256
Atlanta, GA 30374-0256
RE: Error on my credit report, case of Household Retail Services
There is an error on my credit report. I am (name) and my social security number is (number.) The error is on my Equifax credit report as follows:
(your data goes here)
This is why the account […]
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An open letter to HSBC, Knight Vinke and Stephen Green
We monitor customer trends for possible violations of Regulation Z and other possible illegal actions.
We use your individual HSBC complaints and merchant complaint reports to perform trend analysis.
We are not associated with HSBC, Household International, or their merchants.
Some items are used by permission granted in the Fair Use guidelines of the 1976 U.S. Copyright Act.
