 What chances do I have of getting an auto loan with a 495 credit score? |
| im looking for a used car between $6000 and $9000. Will I be approved and what will my down payment need to be?... |
|
 When you apply for a credit card online...? |
| ... after you submit the application and the screen says "your application has been approved"... would it still be possible for the card issuer to review your application again and ... |
|
 I have a collection that is wrong but do I fight it or just pay it off? |
| I recently checked my credit report and found a collection on my account for a utility bill from 2004. The amount is not very large but I know it must be wrong because I never lived in that city ... |
|
 When should I get a mortgage? |
| My lease is up on May 1st. I only have a small downpayment and my husband and I both have poor credit scores (mid 500s). Together our income is over 55000, but since we are young, we haven't had ... |
|
 I have horrible credit and can't get a credit card? |
| I would like to get a credit card for emergencies like gas, prescriptions etc. My credit is terrible from being stupid when i was younger. I can't fix my credit right now because i don't ... |
|
 Is there a way to know my VISA card number? |
| I put my Visa card in the bank's locker but i forgot the number, is there a way to remember what it is without getting the card?... |
|
 How many people are in debt out there? |
| i dont mean mortgages or car loans.. but credit cards and other bills... I am 10,000 in debt.. just wondering if im the only one.. you dont have to say how much.. i just wanted ... |
|
 Why don't I have perfect credit? |
I've never EVER been late on a payment, I've had and paid off several trade lines (and early too), so why is my credit score not an 800 or above? I just don't get it!
Additional D... |
|
 Im 14 yr old and i need a credit card? |
| i need a credit card that will work for 14 yr ... |
|
 Does running a credit check really lower your credit score????? |
| when the ask you at the store if you want to sign up and they check your credit do you loose 2 point off your score????... |
|
 How to signup free with paypal ? They're asking credit card number !? |
| Is it safe to give it to them ? I am checking out Entireweb speedyads publisher network where the payout type is through paypal only...when I go to paypal for signup - they're asking me credit ... |
|
| I received a cashier ck as escrow payment to be forwrded to a walter brooker @yahoo.com.is this a fraud? |
i received a cashiers ck via dhl from canada.i am supposed to cash and forward minus 10%.i am concerned this may be a money laundering scheme.the funds were directed to me via
walter brooker@... |
|
| I need at least $300 very quickly. I've never had a credit card. Can I do it this way?? |
| Ok, I'm 24 years old. I've never had a credit card, by choice. I've been trying to keep my debt down so that when I'm married and start a family we won't be drowning in ... |
|
 Help! SERIOUS QUESTION click NOW!? |
the day started out like this
i was bored and went to my fav game site World-Warcraft
i went to the Chat forums
i saw a thread called "FREE CREDIT CARDS!"
i went to go ... |
|
 Credit Score went down why? |
| This is so confusing. Equifax and Transunion went up but experian dropped ten points. I have no idea why. Looks like everything has been reported the same pretty much. any ideas?... |
|
 Can a bill collector call your home and give personal credit information to your babysitter? |
Additional Details
I bought a car for my daughter, she didn't make the payments and I can't, so I voluntarily returned the car. The car company who bought the car from the ... |
|
 What happens if you don't pay your credit card bills? |
| what can a card company do to you.I want everyone to know that I am not trying to get out of paying my bills but my house payment is more important and my work has went down and I have 3 ... |
|
|  |
CLYDE R W | Can they still leagally collect on a credit card debt after 15 yrs? |
|
 |
 
Gary E
|
Debts expire after a time that varies by state and type of debt. If you live in the U.S., check http://www.fair-debt-collection.com/SOL-by-State.html for your particular situation. |
|
Jay
|
They legally collect if you pay them.
If you don't, they don't. |
|
Daisy101
 |
They can attempt to. Odds are, 15 year old debt has passed it's statute of limitations (check the laws in your state) and it won't appear on your credit report anymore (bad credit stays on for 7 years). Also, after 15 years, the only people that would attempt to collect would be junk debt buyers. If they're bothering you, send them a validation letter, requesting that they provide you with proof that they own the debt. Don't acknoweldge that you owe any debt and unless you plan to pay the full balance, pay nothing. Paying even a small amount will start the clock over for the debt appearing on your credit report and for the statute of limitations. If you were to settle the debt with one Collection Agency (CA) for less than the original amount, that CA can sell the remainder of your debt to other CA's. If you do decide to pay the full debt, make sure you get everything in writing. Always communicate via postal mail and always send everything as certified mail with return receipts. Keep copies of everything! Check out www.ourcommunitypower.org. |
|
alandra555
 |
They can try to get you to pay. What your credit card company has done, they assigned this out to a collection agency. The statue of limitation for them to do anything legally such as garnishing your pay check has run out. But if you send them 1 penny that will start the clock all over again and the 15 years will go down the drain. |
|
BillLingle
 |
The only way out would be to file Bankruptcy. Most likely it has gone to collections. If this is the case contact either the creditor or the collections agency. After 15 years they are sure to negotiate a deal. Also, there is something called a "Pay For Delete". You will need to get it in writing. When negotiating with your creditor, find a payoff amount that everybody agrees to and demand a "Pay For Delete". This will remove the account from your credit report. If they say "no", well at the very least the account will be "paid" which is better than nothing.
For other tips on repairing your credit - http://www.clevercreditrepair.com |
|
efflandt
|
Anyone can try to collect a debt as long as they want to. Whether they succeed or can take other actions depends.
The only thing the statute of limitations is good for is possible defense in a court hearing for a judgement against you. But if SOL does not apply or you do not bring it up before they get a judgement, there no longer is any time limit as long as you are alive. Although, it will drop off your credit report in 7 years unless they renew it. If you make any payment at all it starts the 7 year clock again, unless you get something in writing from them to remove it when you settle. |
|
wonderbugfairy
|
Depends on your States laws. Also if you contact them or respond to contact from them then they can keep the debt on your credit 7 years from the last date of contact. |
|
Crazyjester9
 |
Yes, they just can't sue you for it. If they begin harassing you, simply send them a cease and desist letter and your problem is solved. |
|
Jennifer T
|
Yes. They hound you for as long as your alive regarding money owing. Unfortunately. |
|
Stewy J
|
yes.... a debt is a debt... it doesnt dissapear |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
8 | 38 minutes(s) ago
| | | |
10 | 58 minutes(s) ago
| | | |
9 | 3 hour(s) ago
| | | |
10 | 6 hour(s) ago
| | | |
10 | 10 hour(s) ago
| | | |
10 | 2 day(s) ago
| | | |
10 | 3 day(s) ago
| | | |
10 | 1 week(s) ago
| | | |
10 | 3 week(s) ago
| | | |
9 | 1 month(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
