 Grace period/late on car payment? |
| I have been sorta late on my car payments for the last couple of months, they just keep hitting me up with late fees, which is fine, I completely understand that. What I am wondering is, if I keep ... |
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 Does someone know what exactly happen when u dont pay your credit card? |
| I know this is bad but my financial situation at the moment is really bad, im unable to pay my credit card and someone told me to stop paying my credit card at all and move house.... |
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 MASSIVE CREDIT CARD DEBT? |
| I need some advice on which credit counseling agencies are the best and the most legite. I am ready to take action on getting credit counseling and getting help with my spending addiction! I live ... |
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 What if a collectors says see you in court? |
| hello i had a credit card charged off 4 years ago i did not have any means of paying it. the company said we are just charging it off. i get a call from a collector friday telling me i have to pay 2... |
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 Do unpaid medical bills affect your credit? |
| Do unpaid medical bills affect you credit or credit rating.... Do they show up when you want to apply for mortgage, loans, etc...... |
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 Plz help! my dad died and now the pension service want me to pay them money.? |
| on the 28/06/07 my dad died. he was a pensioner and so he recieved pension payments. following his death we closed his account and all the money went towards his astounding loan payments. however ... |
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 What percent of my paycheck can i spend on myself? |
And put into savings.. What is the right amount so that i can get a treat once in a while because i am use to spending money on bills but i really wanna spend on myself sometimes.
Additional D... |
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 How can I get a loan to fix my credit? |
| I am trying to get a loan (between $7,500-$10,000) to pay off some debt and clean my credit. I am looking for a LEGIT company and I have already tried Prosper but to my surprise, my credit score isnt ... |
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 Horrible Credit.I Need Help? |
| I'm 22 and I have horribly bad credit . I have 2 capital one cards with $500 credit limit. Plus I have been financing a car for 3 years, with 2 more years to go? Is it hopeless that I will be ... |
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 Why doesnt my debt of almost $8000 show on my credit report? |
| Stopped making $300+ payments in 2004. Shouldn't this show up as an adverse account on my credit report? Why isn't it there? It should at least be listed and say "charged off as bad ... |
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 If I pay my mortgage late, but under 30 days, will that affect my credit? |
| Unfortunately, I got into the habit of paying later in the month and haven't been able to get back to paying on the 1st of the month. I asked someone from the mortgage company, when I called to ... |
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 What is the best way to establish credit after a bankruptcy? It has been about 3 years since.? |
Additional Details
I've read about opening secured credit cards (pay $300 deposit on a $300 card)... |
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 Whats the best credit card to use? |
| well my husband whats to get a credit card and dont know the best one to use can you please help?... |
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 Where can I find a fast personal loan? |
| I am in need of an unsecured personal loan today!!!! I have a bad credit score. I am working to try to get myself out of this mess, but it would make my life easier if I could pay some of these bills ... |
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Polly M | Can I pay to clear defaults on my credit rating? |
Instead of waiting 6/7 yrs can u pay to have the defaults removed?
I know it used to happen!
Additional Details
Please let me stress that I know people who have done it in the past.
Is that service still available? |
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bella_4624_19
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some companies will let you pay for deletion. you have to call the company and get the agreement in writing that you will pay a certain amount and they will remove the trade line from you credit reports. otherwise a paid charge off is no better than an unpaid charge off, when it comes to credit score. |
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stinky_mutha
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No you cannot and people offering this service are fraudsters |
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girish c
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No once yor default is entered into RBI software you cant |
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Studly
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Bella is correct (sort of)....
First, understand that legally there are only two ways a negative item can be removed from your credit report.
1) The creditor must delete it
2) The creditor fails to respond to a dispute investigation from the credit bureau.
Therefore, your mission is to figure out how to convince the creditor to remove it. That will usually involve paying off the debt (if it hasn't been paid off yet),...
or "bribing" the creditor. He may just accept some money to help you fix your credit. Yes it's legal, but I have never heard of any creditor (especially a collection agency) that did it. |
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?
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You can pay the amounts and have the ratings changed to something other than a default. You must contact the creditor and negotiate the rating. It could be changed to "unrated" or "contact member" or soemthing of that nature, depending upon the type of debt that is being cleared. |
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Michael H
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no |
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chris.childs.t21@btinternet.com
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No they are a record to show how you manage you finances. Banks credit card companies use these to judge how much of a lending risk you are. |
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lawsonblue
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no. but it will make sure you dont get in to debt after there clear !!!!!! |
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scallywag
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Don't be fooled - anyone who says they paid to have it removed is certainly lying to you. The only thing you can do is:
- if you think the default was registered incorrectly, challenge the company involved and if they will not remove it, take it up to the financial regulator.
- if the default is genuine but there was a reason for it, ask the credit reference agency to include a note in there to explain the circumstances of you falling into a default. Companies will see this explanation when they search your credit file.
If you really feel you must pay, contact your local trading standards first. They'll be able to advice you if an offer for a service is genuine or a scam - lots of people have been had - don't be one of them, save your money. |
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Kathy C
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You can Dispute any default on your credit, if they do not get back to you within 30 days, They have to remove it from your credit. I've disputed a few items and 3 were removed. |
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NETTA M
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I've mailed letters of dispute to the credit bureaus, when the companies don't respond to them in 30 days, they are removed. I had 3 things removed that way. Then I joined Lexington Law for 3 months and I think3 things got removed. There is no guarantee. This was last year. |
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gum s
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you cant change it.... |
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