I didn't know anythig about fingerhut until I decided to buy a house. I was notified by my lender that I had an outstanding report for fingerhut on my credit. Until I started to investigate them on my own I thought the were an actual pyhsical store. I later found out they were a catalog.
I called the number I found a customer sevrice number on the internet for them and called. I was told fingerhut accounts over a certian number of years old were no longer something I could be helped with, I was given an 800 number and eventually spoke to a person whom I repeated my story to for the umpteenth time and tried to explain to her I have NEVER owned ANY credit card including fingerhut. She proceeded to tell me if I pay my bills on time I won't have to worry about collections on my credit report.
I don't have to tell you how pissed that made me. About a week later I recieved a letter from Midland offering to settle my account I sent a money order for the settlement because I wanted a house. I also was supposed to recieve a letter saying it was paid. I never saw that letter.
Now several months later started recieving letters from Midland Credit again offering to settle the same account for 239.93 that's more than I sent the last time and they are saying this is 50% off the total debt owed! How many times are you expected to pay debt that wasn't mine to begin with.
I realize I screwed up by sending any money at all but is there a way to fix this mess, it's still on my credit and I still don't have my house because I can't get proof this is taken care of. I need some way to dispute this charge that will get results.
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