 If I do a balance transfer to just one credit card from 2 will it hurt my credit? |
| I recently got 3 low balance high interest rate cards. I got approved for $750 recently which was the highest and it has 0% for 12 months. Obviously I want to do a balance transfer but I am afraid ... |
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 What is the best Credit card? |
| What is the best Credit card offer out there for someone with good credit & pay history. I'm looking for something with low fixed interest and a points reward system... recommendations?... |
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 A cr. card company suing us in small claims court for a debt that is not on our credit report? Can they win? |
Additional Details
My fiance' doesn't even know if this is his debt? Since it is not on his report- how can we know? How could the collector prove that? I mean, it is pretty ... |
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 What's a good credit card for a 21 year old? |
I'm 21, and looking to build credit.
I'd like to apply for a card today, but first I thought I'd ask all of you which cards you would suggest for me. What's a good, reliable ... |
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 Does having too many credit cards have a negative affect on your credit score? |
| I have 2 major credit cards (one visa, and one mastercard), 1 debit card with the mastercard logo (I'm not sure if it's techinically a credit card, I don't think it is), and 3 credit ... |
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 I'm being charged a late fee on my credit card. Is this even a reason to be charged? Any advise? |
| I'm being charge a late fee of $40 for nothing!! I owed $27 for the month but after I returned something and got the credit on the card the balance was $1.06. I sent it on time and everything ... |
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 I need Help!! I have bad debt!? |
| I would llike to obtalin a loan to pay off all of my debt an no lender is willing to give me a chance. When I first turned 18 years old i was careless ran my credit cards and uitility bills up and ... |
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 I have claimed back bank charges from my bank? |
| i have claimed back bank charges from my bank,totalling £1250 and they have sent me a letter offering me £725 as a gesture of goodwill that they will credit to my account if i accept it.However i ... |
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 What is the best way to build ur credit score? |
| I have minor stuff in collection and ive been told that it doesnt effect me much. should i pay it off? would that improve my credit score after its been in collection?... |
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 I have not so good credit my credit score is 593 and I want a credit card for the holidays? |
| Is there anything I can do to get a guareented credit card or a company that is willing to offer one to someone with my score... my credit report only has medical bills and 1 $50.00 blockbuster thing ... |
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 I am thinking about cancelling some of my credit cards, will that affect my credit? |
| i have a couple of cards, but am thinking about cancelling one or two, both of them are paid off. will that affect my credit in any way? my score is already at a low 568. i am trying to increase it.... |
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 Still on collection report after 7 year period (1999)? |
Ok.. was reviewing my credit reports and found numerous debts that are passed the "7 year mark", however they still appear on all 3 CRA (Equifax,Experian and Transunion).
What is the ... |
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 Is it true that when you marry someone you both have the same credit score? |
| Okay.. I have worked really hard to get my credit right. The guy i'm about to marry has bad bad credit. Is it true that when we get married, I'll also have bad credit , the same credit that ... |
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 Does it wreck you credit score to switch from one 0APR credit card to another when 0% runs out? |
| i.e. have your balance transferred from one 0% APR to another 0% APR card and then closing the first card out.... |
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 Do we have to be in debt to live a good lifestyle? |
| Many people buy expensive car simply for them to show-off,but they don't really have the need for a car. Sometimes,immitate other people by obtained a big loan to go on expensive holiday and ... |
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MaikitosGal | A slight blemish on credit report. To pay in full or to pay a settlement offer? |
My husband has an outstanding balance of 400.00 from an ambulance transport(long ago) (that was not known of till now) on his credit report. It shows it wasnt paid. He was not covered by insurance at the time I believe either. Should he call to see if he can get a cheaper settlement price and pay it off that way or pay it in full? Does it matter? He was told that if he did pay off a settlement it looks bad on your credit report. I say it looks bad either way because it shows you didnt pay and stays on your credit report for 10 years. Can I get a suggestion? |
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slimthing
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call them up and negotiate a settlement |
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ohgerr
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Negotiating a settlement and paying it off, is the way to go.
And no...paying a settlement does not show up on your credit report. Whoever told you that?....geesh. |
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Red
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It looks very bad on a credit report to pay a 'settlement'. Find out where the bill came from, and if he owes the money then try to scrape it together and pay it in full. It's more money outright but your credit report will thank you. |
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SlimMick
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First, it can only stay on his credit report for 7 years....as that's the maximum allowable time under the Fair Credit Reporting Act.....if this is close to being 7 years, there's not much point in paying as it will come of his credit report very soon anyway.
If the debt is more recent and you decide to pay, get a written agreement from them that they will remove the item from his credit report upon receipt of the agreed-to amount. Do not pay first then try to have it pulled off....they won't do it if they get your money first. Remember, all terms in writing prior to giving them your money. If they refuse to remove the item from the report after receiving payment.....don't pay them. |
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Anjell
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The damage is already done, so regardless of settlement or in full - it wont' matter now. If your husband is in the position to pay it in full, then please do so. If not, go ahead and attempt a settlement. His best course of action for this nominal amount is to get a 'pay for delete' option. This way once the debt is paid, the creditor will agree to remove the negative item from his credit bureau. This way it won't stay on his credit report for 7 years (not 10).
Get it in WRITING, because verbal means nothing at all. |
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DAS
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What you can try to do first is see if you can get a " Delete for Pay " letter, to see if they will delete this debt for payment. If the do, then this account will be deleted from your credit report. If they don't you can still pay this amount off, and dispute this negative entry at a later date. If you have positive entrys on your report, continue to keep them positive, and keep up the good work. Also, unless it's a bk, negative info only stays on your report for 7- 7 1/2 years. Personally I would try to get a settlement, for a lesser amount, it is already on your credit as a negative, so unless you can get them to delete this entry, it will stay on there anyway, until the statute of limitation or until it's disputed off. And then I would continue to take care of your existing credit, and continue building your credit. It can be done. Good luck... |
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Mr. Lizard
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Ambulance? Sounds like you should be able to sue somebody, which would more than make up for his damaged credit report. |
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Jeffrey
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Contact them in writing and ask them to do pay for deletion. Low ball them at first and see if they bite. Try 50% of the balance paid in exchange for removing the item completely from all three bureau reports.
But don't be surprised if they tell you they want payment in full in exchange for deletion.
And if they agree, pay them.
But get it in writing before you give them any money. |
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Todd Z
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You can use credit repair agency to fix your credit - for example this one - http://creditreport.fateback.com - They can clean lots of such bad stuff from your credit report - and do it much faster than yourself, so your credit will go up fast. |
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Rainy
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call them see if they will negotiate with the amount owed and then pay it off . . |
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