 I feel like my life is ruined!!!? |
When I was younger my Mom put bills in my name and now at 19 I have bad credit!!
I just called to try and get gas turned on for my new house and they told me I had a $469 bill PLUS a ... |
|
 About a loan please help? |
| i am in a little bit of debt i dont have great credit im only 20 and i need a personal loan of $2000 someone please help ... |
|
 Is it true that if you pay off collection accounts on your credit report, that it will hurt your score? |
i got a few collection accounts on my credit report that i havent paid.
they are 2 - 3 years old. would it hurt my score if i paid them off? or should i just wait til the 7 years are up.... |
|
 What would be the best credit card to reestablish my credit? |
| I am constantly getting denied for the cards I apply for even though I paid all of my debt off and I got approved for one but they wanted and $250.00 payment before I could use it and I said "No ... |
|
 Can Sears deny me employment because of my credit after they hired me? |
| I recently got hired by Sears as a cashier....on the condition that I pass the drug test and the background check. I'm not worried about either of those things, I don't do drugs nor have a ... |
|
 Can unpaid hospital bills ruin your credit? |
| I have no insurance and recently broke my leg, I am not working and the bills are piling up, the hospital bills are over$ 10.000, and I won't be able to pay that for awhile, and now they are ... |
|
 I have been working on my credit score for the past few months trying to get the magic score of 630? |
| I paid everything that can be paid and I am so close to the goal but I don’t know what I can do next. I know time heals all wounds with credit scores but I hoping to get into a house this summer. <... |
|
 What if false claim is made by collection agency against you to the credit bureau? |
| Hi. About 8 to 9 years back i used to live in an apartment complex. When i moved out of the apartment in 2001, i was told to make some payment about carpet damage to the management. The payment was ... |
|
 Should I file for bankruptcy? |
| I'm 29, and my debt is under but probably close to 10K, much of it sent to collection. This debt includes student loans, credit cards, and my bank account balance, which was in the negative and ... |
|
| How do i establish good credit? im 18 and dont have a credit card, bank account, car.....how do i start? |
I do have a job.....and im on my own now...in a few months i want to buy a car but dont know how i would do that without ANY credit.........???
Additional Details
so if not a credit ... |
|
 How soon are defaults removed from your credit file/history? |
| How many years are defaults held against you for and when if ever are they removed from your credit history all together? T... |
|
 Why do some people have multiple credit cards? |
Also,
Does having multiple credit card affect your credit score?
Is it better to stick with one credit card?... |
|
 What is the best solution to repair your credit score? |
| I have a low credit score. do i need to hire someone to reapair it, and who? wanting to try and buy a house in less than a year and i want to have a decent credit score.... |
|
 What does it means when your husband lend his credit card to his female senior engineer? |
| He lent his credit card to his senior engineer to forge his signature without his presence so as to sign his card to get discount just to help her save a little on petrol cost. That lady accepted and ... |
|
 My boyfriend has bad credit, will his credit go up if I put him on a card with me? (It didnt ask for his SS#)? |
| His credit score is in the 500's. He called the company's to clear the late payments, will that help? and how long till we see numbers go up. We really want to get a house, my credit is 742,... |
|
|  |
ernest j | Can anybody help me?? |
i tried to open a money market account but i couldn't because i had a negative rating on my credit report..so i contacted Chex Systems and it said that i was overdrawn $160 with an account i had with bank of america..i quickly paid the money
but they didn't remove the negative rating..does anybody have any ideas or who i can contact to get this removed off my credit report..it is messing me up big time.. |
 |
 
kooseet
|
They usually don't do jack to remove a negative. You have to do it. Send a letter to Equifax, Experian and TransUnion, the threee credit bureas along with proof. I generally takes about three months to remove a negative report. Sorry. |
|
echo
 |
You might want to go to the site I've listed and do some reading. I also agree that you should dispute with the credit bureas AND also send a dispute to Chex. |
|
iWorkonComputers
|
You cannot get it removed...once its on there...its on there for a while
sorry buddy |
|
tonyArmenia
|
try wells fargo to open the account they have special accounts for people on check systems but about removing the record taugh luck |
|
Studly
|
David is correct.
There are only two ways to get a negative item removed from your credit report. Either the creditor who posted it has to remove it, or else they must fail to respond to a disput to the credit agency.
Follow the dispute procedure and you may get lucky. But don't hold your breath. |
|
magpie
|
start with annualcreditreport.experian.com
Once you print out your free report, you can file a dispute online. Be very descriptive in the date, amount, company which you paid, company phone numbers, account numbers, your former names.
If you disagree with anything else in the report, dispute that at the same time.
You will receive a reply.
You will also have to do the same with the other two main credit bureaus: Trans Union and Equifax
run a search for their sites |
|
Hoa N
|
That's a valuable lesson learn for you from now on. you are behind the curve on this.
try to paid bill on time, you should learn a head of the curve |
|
David
 |
Even if you send proof, that you paid it, to the 3 credit bureaus, they still will not remove the negative report, due to the fact that you did pay it late. You would need to dispute it and hope they will not respond, or at least not respond in a timely manner to show that you did not pay if on time. |
|
fatmoe12
|
To get it removed you need to contact the orignail creditor and see if they would be willing to remove it. Also Chex System is not a credit beru report but a negtive check database designed to restrict your check writing ablties and generally takes 2 weeks to update. By federal law you are allowed one free credit beru report a year so contact the three big ones and ask for it, The will probally want 10 bucks but remind them by law you get one a year. To get anythig off a beru is pain and will take 90 days if the creditor even agrees.. |
|
Jer$ey Girl
|
Inprove your credit by paying all your depts. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
10 | 31 minutes(s) ago
| | | |
10 | 46 minutes(s) ago
| | | |
9 | 2 hour(s) ago
| | | |
9 | 5 hour(s) ago
| | | |
10 | 7 hour(s) ago
| | | |
10 | 8 hour(s) ago
| | | |
10 | 10 hour(s) ago
| | | |
10 | 1 day(s) ago
| | | |
8 | 2 day(s) ago
| | | |
10 | 3 day(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
