 When you buy items over the phone and pay with your credit/debit card....? |
| ....the person/company that takes your card details,do they keep the details of your card on their files/computers or are they obliged to delete/destroy your details after the items have been bought?... |
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 How long should I wait to offer settlement to my creditcards in order to get the best deal, after Charged off. |
| Owe around 80K, average of 10-15 K on each, Is it likley they all will sue? It has been over one year since I made last payment. I can try to borrow from family. What kind of a deal can I get for ... |
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 How can you fix your credit yourself without paying someone else to fix it for you? |
| looking for a way to fix my credit without paying a credit repair company to to do ... |
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 Is my mother allowed to look up my credit history with out me knowing? |
my mother 2days ago requested a free credit check... she lied online and she pretened to be me online so she could see my credit. is this allowed since she lied without my permission???
... |
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 Is there anyway to erase credit inquires that you have on your credit report? |
| When you apply for a loan or credit card, the creditor appears on your credit report. Is there anway to erase those inquires?... |
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 I need a $15,000 loan Can anyone help? |
| I am divorced and was left with a debt that I need to payoff because the monthly payment is high as is the interest. My ex also took my 3 daughters and my bed and other furniture when he left. My ... |
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 Auto Loan w/ bad credit? |
| I am in need of a new car, as my current vehicle is gasping for life. I need to work out some financing, but have a problem: in my first year in college, I couldn't afford all my expenses due to ... |
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| Refinance,let the car go back or trade it in? |
| I bought a 2006 honda civic ex a year ago my payments are over 500 a month (i had bad credit) I have paid on time for over a year. my problem is I can no longer afford the payments. I love my car but ... |
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 Are you sure creditors can not do anything to you ?, ref. to answer by Wilfred? |
| Surely they can take court action, use collection agencies or threaten to send bailiffs to seize your assets, etc.... |
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 I have a good credit score, why can I not get a mobile contract? |
| I have just checked my credit score through experian and it is 857 out of 1000. Yet I cannot get a mobile contract through any network service provider. Why could this be? I am not on the electoral ... |
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 Credit counseling and/or debt management companies? |
| Does anybody have experience with dealing with them? How do they work and can debt that has been charged off be negotiated? Thanks!... |
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 ATM Withdrawal with my Capital One Credit Card? |
| I recently recieved, and activated, my Capital One Platinum Visa credit card. One quick question I had, for anybody who knows, if I were to go to my bank's local drive-thru ATM, would I be able ... |
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 Where can I get my credit report for free? |
| I see these places on TV that advertise to get your credit report for free but every one I have been to once I have filled out all of the info suddenly they are asking for a credit card # to pay for ... |
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 Why people are just dying to have an excellent credit score?what is there benefit from all that? |
what can an excellent credit score do for me?
i know i sounds picky...but i need to know....thank you so much for your time guys..... |
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 Ive had a really bad month and dont have the money to pay my rent...? |
in my lease if i dont pay by the tenth they start the eviction process... short of robbing a bank what can i do to keep my apartment i have nowhere else to go
Additional Details
wow some ... |
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 Credit card suing me? |
i just got the letter from there lawer..to go to the court next month(i live in Florida) i owe them $ 900..
What i sould do..can i call them to settle this or i have to settle this in court?
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Lily's mom | Collection Agency calling...? |
If a collection agency is calling but nothing appears on your credit report from the agency about a debt...What can/should you do?!? |
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echo
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Legally a collection agency must send you something in writing within 5 days after calling you. (though they rarely do)
They probably haven't gotten around to placing it on your reports yet.
You might consider sending them a debt validation letter. If it has been 30 days or less since they called, they will not be able to place it on your reports, or continue to collect, until they "properly" validate.
(if you have trouble finding an address for them, look them up on the BBB website)
Include a "limited" cease and desist in your letter that tells them not to call you at your home or place of business as it is inconvenient to you. That all future correspondence from them must be done by USPS.
You might click on my profile and do some reading in the links I have listed - to the FDCPA, FCRA, etc. |
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Pepper
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Well at the very least talk to them once and see whats what. It could be taken care of then. You won't see it on your bills. You will get a separate letter from the company stating that they are sending your account to collections. |
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pilot
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All collection agencies are not the same as it relates to your credit report. If it is a legitimate debt - pay it. If the amount owed is substantial they can sue and get a court judgment and that will reflect on your credit report for the next ten years. Plus - once they get the judgment they can garnish your wages, take your property, pretty much whatever they want. |
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swtluvingcntrygirl
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tell them to stop callling you or just say "contact my lawyer" and they will back off maybe. |
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Miss Know It All
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Well, see what they want before they put it on your credit bureau. Just if possible record your calls and actually they must send notification in writing before they can call.
You can talk to your local attorney generals office for any other rights you may have depending on your state. |
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curiousgirl112
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I would not do anything, or find out who the original debtor is and pay them. Many scams include someone saying they bought debt from someone you owed money to, they take your money, but the debt still isn't paid. I would not answer anymore of their calls. |
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Still reading
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Talk to the credit collection agency and find out about the loan. If the loan is legitimate, pay it, or negotiate a settlement. Collection agencies work with debt that isn't always reported to a credit bureau unless/until the collection company determines that it's uncollectable. Examples are medical debt and utility debt. |
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Adam B
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It may be that they just haven't put it on your credit report yet. If they are calling all the time, file a harassment complaint with the state you live in. Go to your states website, and look for the consumer protection bureau. They can get them to stop calling you, put things in writing when they've refused to before, and even stop asking for extra fee's -so you only have to pay the amount you actually owe. |
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annazzz1966
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Make then prove the debt to you by sending you a demand in the mail. |
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This is Fun
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If you know that in some way this debt is valid, take it serious and find out who the original creditor is and make sure you see them on your credit report. If it is a scam tell them to F*** off. There is no law about how you treat a collection (scam) agency. |
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