 Will I be able to raise my credit score by doing the following? |
| I just had a question. About 3 months ago I tried to apply for a loan to get a house. However, my credit score was around 560 at the time, so they were asking for a 10,000 down payment and to hire a ... |
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 I have one of the lowest credit scores possible! Where do i start to fix this major financial obstacle? |
| Im hopeful that someone here can point me in the right direction. I have two civil suits against me and some other negative info from old credit cards that I never paid off. (from college) I am 26 ... |
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 I need a personal loan!?!? |
| I have bad credit. But I still need a personal loan. anyone know of any lenders that will give me a loan?... |
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 Paypal ??!!? |
If i'm an ebay seller and I sell an item and want money via paypal service where does the money go?
my credit card?
Thank you in ... |
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 What is your most burning question about getting out of debt? |
| I am in the process of developing a membership site that will help people get out of debt fast. If you're in debt, will you tell me what your most burning question is about how to get out of ... |
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 Credit CArd Debt..Stautue of Limitations? |
| Hi..I know there are SOL on credit cards--but how do I find out when my last payment was?? This does not show up on my credit report--but recently received a letter after 9 years for a debt. I had ... |
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| So I'm trying to consolidate my studnets loans and found out that in order to cosolidate my private loans I will need a cosigner. Since I do not have anyone that can cosign for me this is going ... |
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 Can they do this: Old 'charged off' debt was 'bought' by a collection agency and REPOSTED on my credit report. |
| I was checking my Equifax Credit Burea credit file today online. And noticed that a very old forgotten credit card debt (providian, I think), was 'bought' by an agency and they reposted in ... |
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 What is the best way to build your credit score when you have no credit history? |
| I'm a new resident, i have no credit history. nobody wants to give me a credit card or a loan that i can start with, i did get a credit for a car but with 14% intrest! seems like I can never get ... |
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 I cannot seem to get Experian to remove this old account? |
Please review this account. Am I incorrect to expect Experian to remove it . It appears to be 7 yrs old to me:
Address:
4315 PICKETT RD
SAINT JOSEPH, MO 64503
No ... |
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 Give me on idea to make money? |
give me one idea to make money or send me money to my pbox kasi tarek
pbox 19465
jerusalem
israel
i need it sooo muich ... |
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 Credit score? |
| My credit score is 761, I have 6 credit cards and a car loan and my 4 school loans are paid off years early, how can I make my score higher?... |
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jorge05r | Credit Card w/ late payments? |
I opened a new credit card account 07/2005 with MACYS, 09/2005 I stopped paying and now that Im monitoring my credit score I see it's status which is (120 days late, Late by 4 payments)
My question is, Should I pay off that account, would it fix my score, make it worse, no difference, is it worth it? |
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Crazyjester9
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Call Macy's customer service and ask to speak to the credit services department. If you agree to pay the account off they will 9 times out of 10 remove the negative listing if you demand it.
Just for good measure, tell them you have not been receiving the bills or something like that. |
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stan c
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Pay it off asap. Not only does it effect your credit, but insurance cos also run your credit and if it's late, they can up your rates because of the default. |
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taximomuv3
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I think you mean you never even STARTED paying with those dates! Why would you think it would make no difference if you deadbeat the account - the whole point of credit is to PAY IT BACK when you've used it - did you think it was free money??? You deserve whatever credit hit you're going to take. |
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bdancer222
 |
Pay it off immediately before it gets sent to collection and further damages your score.
Late payment is the worse thing you can do to your credit history. You will need at least a 24 month consistent, on time payment history before your score starts to recover. |
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Iknowthis!
 |
check your numbers and repost - 4 120 day lates is shorter than 9/05 to 2/08 since that time span is over 2 years.
How much money are you talkng about?
Is it also reporting as a charge-off, collection or delinquent? I'd need more informatoin to give you a good answer. In some cases it is detrimental to your credit scores to pay off, other times beneficial. |
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JD_in_FL
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Being an early debt, paying it off now will help. If it was over 3 years old, it wouldn't make any difference.
PS If you don't pay it off now, they will sell it to a collection agency. Then, that account will be reported by both agencies for 7 years. |
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Sharon F
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yes pay it off because it WILL help improve your score....you dont want that debt lingering for 7 long years
so pay it off and be done with it.... |
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Grandpa
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if pay off it will help to improve your score |
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Dawn P
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make an effort.. why get into a bad habit.. of course it's worth it. |
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Susan T
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Definitely pay it off! If you continue to ignore it, the interest and fees will just keep adding up and it will be even more difficult to take care of in the long run. Take it from me, I've been in that situation and wish I had done more sooner! Plus your credit score will come up once you have paid it off. |
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Mark H
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PAY IT OFF!
If you do not want them sending it to collections and possibly garnishing your wages, coming after your bank accounts or even taking your future tax returns.
Pay it off, clear it up and start to restore your credit. |
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