Hi,
We bought a timeshare in Cancun Mexico in 2014 and financed about 11K with them. We used the resort 5 times and every time we got back we regret doing that deal as there were multiple empty promises and horrible customer service experiences.
So when we came back last year in July 2018, I decided I had enough and stopped paying my loan payments and maintenance fees.
I remember clearly that I never provided them with my social security number and looking in my copy of paperworks there is no mention of my SSN in there, but some how they sold my debt to a collection agency in US and have put the delinquency in my credit report, dropping my score by 110 points. This seems to be for the loan only and not for breach in contract.
I have two questions:
1) How could they impact my credit report not knowing my social security number?
2) What are my options here?
Really appreciate some guidance here...
We bought a timeshare in Cancun Mexico in 2014 and financed about 11K with them. We used the resort 5 times and every time we got back we regret doing that deal as there were multiple empty promises and horrible customer service experiences.
So when we came back last year in July 2018, I decided I had enough and stopped paying my loan payments and maintenance fees.
I remember clearly that I never provided them with my social security number and looking in my copy of paperworks there is no mention of my SSN in there, but some how they sold my debt to a collection agency in US and have put the delinquency in my credit report, dropping my score by 110 points. This seems to be for the loan only and not for breach in contract.
I have two questions:
1) How could they impact my credit report not knowing my social security number?
2) What are my options here?
Really appreciate some guidance here...
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