 680-687 credit score, was denied 8k car loan from capital one. Make about 60-70k/yr. why? what next? |
| I work 7a-730p, so I have to be up by 545am to catch the bus and I usually dont get home until 830-9p. I dont live far from work, but I live in LA so there is always much traffic. My initial goal was ... |
|
 My credit card company is raising my APR. Should I opt out of the rate increase and close my account? |
My credit card company is raising my APR in response to market conditions. Should I opt out of the rate increase and close my account?
Additional Details
Chase is raising my rate due to &... |
|
 Need car loan but have bad credit? |
| I need a car loan for about $25,000 with a $3,000 down but I have bad credit(High 400ds) and I don't have a co-signer. What are my best opptions, and who can I get to give me a loan that will ... |
|
 Transfered 2 of my cc balances and want to close the accounts? |
| I just got approved for an Amex Blue card for $6000.00. I transfered a couple of my high interest rate credit cards from my Express Fashion account and mu Household Bank account to my new Amex card ... |
|
 Can a company place a CCJ against me if I am paying a reduced amount and can't increase it? |
| I have been paying a debt but they now want more money from me. I have never missed a payment with them, and they now want a financial statement to prove I cannot increase my monthly payment. If I ... |
|
 Do you think all credit card statement should have to show a "last date to pay at a bank" date on it.... |
| ...ie: should it be up to the customer to have to work out..[-what with weekends complicating the maths etc]..the last day on which they can pay the bill, and therefor avoid incurring a late payment ... |
|
 Credit card debt and ccj? |
| emigrating to U.S with credit card debt and ccj, after 5 years will they give up, or will they find me anyhow.Not leaving a trace of ... |
|
 Bank canceled my credit card. Should I continue to pay? |
I just got a notice from the credit card company that due to my bad credit they have canceled my card.
I have a high balance in this card. I tried to keep this card in good shape by ... |
|
| Got a letter today telling me i owe Tmobile £250+, but i havent been with them for over 7 years!? |
I have always been up to date with my bills, and i know that i have NO money outstanding on that old account!
Is their any way to prove this, i think they may have made a mistake and mixed ... |
|
 Is there any advatage to making an extra mortgage payment per year? |
| I've heard that if I have a 30 year mortgage, making the extra payment can take close to 10 years off the mortgage.... |
|
 Do you think i will get the auto loan? |
| i have fair credit, my credit score is 604, i make about $800 a month and i had a cosigner who has a credit score in the 700 and makes $1500 a month, im trying to finance a car for 14,000 and im ... |
|
 If you owned a Dollar Store - would you hire someone with bad credit? |
Someone that has a car about to be repossed if they don't make the payment?
Someone that has bill collectors after them?
Legally, I would have a right to check their credit reports, ... |
|
 25 y/o in serious debt? |
| I would like to purchase a home someday. Will I ever have decent credit if I pay off my debts?... |
|
|  |
thecharmedfive | Can I legally do this? |
I have a paid $10,000 federal tax lien on my credit. The IRS placed the lien on there last year and just a few months ago, I was finally able to pay them off. On my credit it shows as released.
I have heard at ocassions that sometimes you can dispute an entry on your credit report and if the reporting agency does not respond within 30 day, the entry is removed from your credit file.
My question to you guys is, what would happen if I were to dispute the tax lien? Considering the IRS is paid, would they even bother to respond? How does this work?
Additional Details
I realize that I have nothing to dispute but why can't I manipulate the system like everyone else?
I have paid them, I just want to try to get rid of the entry from my credit file. |
 |
 
Bodhiâ„¢
|
I am not sure about the details, but I wouldn't try it myself. |
|
SPIFIMAN1
 |
Well first of all the only information that can be removed is information that is not correct, so what are you going to base your dispute on? |
|
bdancer222
|
Things like judgments and leins come from public records. You can dispute them, but if they are in the public records, it will stay on your credit report. The credit bureau wouldn't even check with the IRS. They just check the public record. |
|
wartz
 |
You have nothing to dispute. The lien was filed and released when satisfied. If it was improper it would have been "withdrawn." This is a subtle but significant difference. |
|
Steveo
 |
Do you really think that your credit card company wants to mess with the IRS. It's not illegal, it's stupid. |
|
Judy1
 |
If you dispute something by proving that you didn't owe it in the first place, it will come off your credit report. I'm not sure just what you'd say when filing a dispute on this situation to convince anyone that you didn't owe it.... |
|
kate
|
Dispute means the debt is false ,
Not yours or the amount was not true .
Anyone can dispute , but unless they demonstrate it was false info ( someone elses debt for example )
The info is there for 7 years .
It should show as paid however , instead of delinquent .
> |
|
luisamapacha
|
Oh they'll respond. They'll make sure they respond and keep it on your file.
Also, if you file a dispute and say the charge isn't legit, you could end up being charged with fraud. |
|
Monica O
 |
In order to dispute it, you would have to notify BOTH all three credit reporting agencies AND the IRS by certified mail. At that point, it's likely the IRS would think you are crazy and show immediate proof that the lien did exist. I would wait at least five years before trying to pull this one.
Can you legally do this? Well, you can try, but you won't get anywhere. No one will put you in jail or anything for trying. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
8 | 35 minutes(s) ago
| | | |
9 | 56 minutes(s) ago
| | | |
9 | 2 hour(s) ago
| | | |
9 | 7 hour(s) ago
| | | |
9 | 8 hour(s) ago
| | | |
9 | 9 hour(s) ago
| | | |
9 | 10 hour(s) ago
| | | |
9 | 11 hour(s) ago
| | | |
9 | 1 day(s) ago
| | | |
9 | 6 day(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
