What is the name of your state?Minnesota
5 yrs ago I had gotten a solicitation for a credit card that i accepted.when it came it also came w/ a "credit education kit" from a place called American credit educators located in Denver, CO. Supposedly this "kit" was worth $300 it consisted of a couple video tapes, a couple booklets and a pen- basically a rip-off the $300 was charged to the ACE visa credit card. Well I had cancelled the account and sent back the kit they sent. I never heard back from them. The card had a balance on it when we cancelled it and we included it in a BK7 in 2001. I then started cleaning up my credit reports and found a tradeline listed on all 3 credit reports from American credit educators that shows it is an open installment account with a past due balance of $300 180 days past due , no mention of BK. So I dispute it & they then send me a letter trying to collect the debt that was discharged and I inform them of the BK and offer them the file number and they wouldn't accept that . They have had numerous complaints from hundreds of people. Would I have a case in small claims aginst them?
5 yrs ago I had gotten a solicitation for a credit card that i accepted.when it came it also came w/ a "credit education kit" from a place called American credit educators located in Denver, CO. Supposedly this "kit" was worth $300 it consisted of a couple video tapes, a couple booklets and a pen- basically a rip-off the $300 was charged to the ACE visa credit card. Well I had cancelled the account and sent back the kit they sent. I never heard back from them. The card had a balance on it when we cancelled it and we included it in a BK7 in 2001. I then started cleaning up my credit reports and found a tradeline listed on all 3 credit reports from American credit educators that shows it is an open installment account with a past due balance of $300 180 days past due , no mention of BK. So I dispute it & they then send me a letter trying to collect the debt that was discharged and I inform them of the BK and offer them the file number and they wouldn't accept that . They have had numerous complaints from hundreds of people. Would I have a case in small claims aginst them?