 Which will get you a better credit score? |
| Ok. This is killing me. I am 19 and have only had a credit card for one year (almost exactly). I have lived on my own since 18, but never had a car payment (I paid my car in full). So I only have one ... |
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 Does anyone know a non-fraud debt consolidation company that i could use? |
15k in credit card debt, 17K in personal student loan debt, 15K in government student loan debt, 15k in car loan debt.
All im trying to do is consolidate my CC debt. The rest i will deal ... |
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 Free credit report???? |
| What is a site that gives you your credit report for free and is not a scam?... |
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 I have gotten myself into debt bc I am stupid!? |
| I have gotten myself into credit card debt its not really bad but it is bc I cannt afford it right now. ITs about 6 thousand dollars. I want to know what my options are if I have any that could help ... |
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 What are some good store credit cards? |
| Doesn't have to be a visa,or master card and whatnot. Just a cute store that offers a card. I've already got Macys,Dillards,and Victorias Secerts under my belt...but WHAT ELES!?... |
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 Credit report....? |
| I check my credit report online regularly as I am trying to pay off my credit cards and improve it so that I can start thinking ahead to the future, when I'll want to start buying my own house ... |
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 Is This The Truth, Or Just A Scare Tactic? |
| Are rental car companies pretty good about accepting the collision damage waiver that is provided with a credit card? I found out today that my credit card that I will be renting a car with, offers ... |
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 Is 800 really that hard? |
| For some reason I can't reach that..I'm 792 TU, EQ 785 Ex 766.....there is NOTHING bad, ZERO debt...perfect pay 30 plus year history ... |
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 Credit cards!? |
| ok my credit isnt great..isnt bad..just establishing..wheres a good place to apply...and noo fake ones please..... |
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 Mom wants me to pay 500 dollars of her credit bill because intrest is so high? |
| She has a card with like a 470 something balance with a really high interest, and she keeps asking me to pay it with my card so that she can stop paying the high interest and the annunal fee that ... |
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| I have some capital 1 credit cards that are in collection and I am ready to negotiate a settlement. Are there ways to get the best percentage or do the collection agencies have a bottom line they ... |
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 Does getting your credit checked do anything to your credit score? |
| I'm about to start looking for a new vehicle and also a new apartment. I've heard that when your credit report is looked up, this brings it down. I may be dumb for asking this question, ... |
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 Want to check credit score, Whats the cheepest way to get your score? |
I know there are three places to get your score from but I've see websites that get your score from all three places for a discount.
Does anyone have any recommendations on where or ... |
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 Rebuilding bad credit. and credit cards? |
| I am slowly rebuiling my credit after making some really stupid choices in college. I closed all my credit cards.Oops! Now I have a great job and I pay all my bills on time. But its repairing my ... |
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 How do I find out my credit score for free? |
| I've gone to a bunch of sites that promise free scores, but then i find out that it's only after you sign up for a paid service! Any credit report websites that are legitimate and actually ... |
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for to pay back?
Additional Details
I dont own anything for them to take.. Really I was wondering if i could be arrested?... |
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 How can i find a list of payday loan places in my city? |
| i typed in payday loans and not many listings come up. is payday loans the correct term??... |
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chainreaction | Debt collector won't collect!? |
Ok, so I have an old credit card that went into collections last year while I was in college and poor. The bill was only 500 bucks, and now I want to pay it off and get it removed from my credit report. Trouble is, theyre not sending me any bill for it! (whoever heard of a debt collector that won't collect!). I found out the collection agencies company and emailed them. A guy emailed me back telling me to call him. I do NOT want to give out my phone number to them or have any phone contact for very obvioius reasons. I sent them a registered letter offering to pay in full in exchange for a deletion letter. No response. I sent another email 2 days ago. No response. I dont' know what else to do! I need this off my credit report by august for law school loans. I'm willing and able to pay, I just dont know how!
Additional Details
just to clarify, i dont care if it stays on my report marked as paid, i just want it to be marked that way! |
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the one
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you can still pay for it but it wont come of your record. so just forget about it. |
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jolyth_a
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It is not going to come off your credit report. It will be there, albeit showing paid, for the next 7 years. Try contacting the credit card company directly. |
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Doctor Deth
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call back the original company - they'll be glad to not have to pay the collection agency 1/3 of the $500 if you're willing to pay them directly. It's not going to be removed from your credit report - it will just show paid - IF they update the credit report by August |
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DAS
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Just because you want to pay, if they don't agree to delete this item off your credit bureau, although you pay them, it will still show on your credit. No way to get pass this unless they agree. You can eventually try to dispute it later. |
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Heidi
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You might try contacting the credit card company directly, and tell them that you are unable to contact the collections agency.
Once it's paid, it probably won't be "removed" from your report, but it will be changed to reflect "paid/current" status. |
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Bill C
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What state are you in? The statute of limitations on the debt might have expired. If it has, then no one can legally collect it. |
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Lys C
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Dispute it with the credit reporting agencies... If they don't verify to them they will need to delete it. |
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eddie
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debt collectors get off being nasty to people
have a lawyer do it for you |
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jackson
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Get a paid for credit report if you have not already. It will have your old account number and direct contact number. Some times they will deal with it or at least shift you to whoever they use for collections.
The collection agency is not really set up to deal with letters or emails. Just give them your phone number and call. If they called you for the money....... no biggie as you are willing to pay.
Make sure you get all of this in writing so you can send this on to the credit agencies. The paid for report will have all of the information in regard to how to go about this. |
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