 Im 14 yr old and i need a credit card? |
| i need a credit card that will work for 14 yr ... |
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 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????... |
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 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 ... |
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 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@... |
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| 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 ... |
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 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 ... |
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 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?... |
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 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 ... |
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 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 ... |
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 Will paying off my car loan 2 years early really help my credit? |
| My credit is Poor and I am going to payoff my car loan 2 years early will this finally help me with my credit issues? how much will this affect my credit score?... |
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 Am I better off closing old credit card accounts? |
| I go for credit cards that give deals (0% balance transfer, points or cash back etc). When the deal ends I stop using the card. Should I close them or leave them? If I close them should I close them ... |
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 If i paid off a debt and received a receipt marked paid in full can they then ask for more money? |
| paid off past due oil bill in full they are now trying to tell me that i owe them for a sheriffs fee, that incurred on the day i paid the balance off on the ... |
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 Can you go to jail for not paying your credit cards? |
| i have 7 credit cards all maxed out.i have no job no property and no car. wat can happen to me. can i go to jail?... |
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 What checks are used on a basic savings account ? |
| Hi everyone, i have recently been turned down by natwest and barclays for a basic bank account , i am not bankrupt but do have bad credit history. i have been given a cheque and need to cash it, i ... |
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 What does it mean if a credit card is declined? |
| i have my dad credit card, i dont know if I have done anything wrong to decline it i am sacred to tell him.... |
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 How can people protect themselves from banks and companies ruining their credit? |
| there must be laws against banks and companies taking people's money through high interest rates, overdraft fees, and other bank fees. Companies are designed to rip people off and the public ... |
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 Has anyone gotten there stimulus paper check earlier than the date that is posted on Wheres My Stimulus Paymen |
| I got my second notice and it says I should expect my rebate by the 16th, but online it says it will be mailed on the 16th.... |
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 How does it affect your credit report? |
| i have a credit card which is 31% interest(i didn't really pay attention when i got the card) i have a balance but want to close the account so as the balance goes down the temptation of ... |
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Utopia | Credit Repair help! I have paid every bill owed on my credit report, meaning I am debt free, READ ON? |
however even though all my debts are paid
(what a great feeling)
my credit report is a mess because these lousy creditors have not updated my report. So in reveiwing my report I am so over whelmed by the amount of items that are incorrectly reported, that I know have to fix. I simply do not have time to do this myself between work and school.
Does anyone know of a trust worthy compnay that can do this for me, please list a company that works to get these items either off my report or at least updated as paid.
Please list a company that you have had personal expirience with and can be relied on. |
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Sabrina
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Bdancer222 is "right on the money"--pardon the pun. CONGRATULATIONS on getting out of debt! |
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suejones987
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if i was in your position i would fire off a letter or email to all your former creditors and remind them that you have paid them what you owe them and demand that they inform the credit reference agencies that you are no longer owing them money.
also you can politely inform them that if they do not do what you ask within a reasonable period of time that you will have no choice but to seek legal advice and and take matters further.
also point out that as you have gone to the trouble of getting yourself out of debt the least they can do is to do their part .
give them a period of one month to do as you ask or tell them you will be taking legal action. the last thing these companies want is to be dragged through costly court proceedings.
you could print off several letters all the same and insert the addresses and your signature by hand. that way you dont have to spend hours typing up individual letters. |
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meandnadine
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You're better off taking the time to do this yourself.
Someone you hire is not going to know whether or not some info is correct or incorrect. |
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bdancer222
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Filing a dispute with each credit bureau isn't that time consuming. You can list each item and the reason for dispute. Doesn't have to be complicated. You could just say "paid in full".
Don't even bother sending proof of payment. The credit bureaus contact the creditor for verification -- which is just the creditor saying yes or no. It should be all addressed within 45 days.
Don't waste money on a credit repair company. Their tactics tend to get reversed on down the road.
Congratulations on paying everything off! |
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Steve P
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STOP You don't need a company. You don't have to spend more than a few bucks on postage.
Everyone is entitled to a copy of their credit report, once per year, through the Federal Trade Commissions website. It's completely free.
If, and only if, inaccurate information is reported, can you file with the various credit reporting agencies (Credit bureaus) to have inaccuracies corrected.
Having past due payments several months ago, and bringing the payments current or paying the debt in full doesn't constitute an inaccuracy. Remember, the credit bureaus report historical information, that's why they exist.
HINT: These firms which promise to remove all your sins and give you a nw sole are scams. You've done the BEST thing by getting out of the debt-hole. Now, stay out and live free.
"Live like no one else so that later you can live like no one else" ~Dave Ramsey |
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kayakdudeus
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You will have to spend the same amount of time with the repair company that you would have to put into it yourself. They will need all the payment documentation, dates, etc. So you'll have to pay them to learn about the problem, pay them to learn when and how you paid it, and pay them to contact the companies. Plust they won't have the same interest in getting it right that you do.
It's better to do it yourself. |
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gogo7
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Unlike some saying above, don't go disputing everything on your credit report because
1) it wastes everyone's time and everyone's money
2) those expenses costs money which filters down to consumers
3) and they don't go away anyway because they will be verified as yours
4) the dispute process is for errors not an opportunity to be fraudullent
Depending on when you paid of items, give them a month to update. Then you want them to show a zero balance/ paid in full. The ones that haven't updated within a reasonable time, dispute the balance because that's what's wrong. You want it to show paid.
I think it's great you have cleaned up your credit and things can only get better from her. Good for you. |
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tilishabingo
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All you have to do is get in contact with the three credit agencies, you can even do this over the phone, tell them you want to dispute everything on your credit report. They will get in touch with the creditors, then they will update everything for you. Kudos on paying everything off on you credit report. But it is better if you did this instead of paying someone to do it for you. It was a lot of work, but I had a lot of things deleted off mine. It is worth the time. |
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Dewey K
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You can find some excellent advise and help for this on this site.
It's a lengthy article but you need to read everything. They will help you.
http://www.1-800badcredit.com/bad-credit-repair.html |
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