 I need help with my credit? |
| I know there are sites that can help you with you credit score and report.if anyone have any experience with obtaining your credit report and score via the internet please inform me of the sites. i ... |
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 Can a creditor or collection agency call me late at night.? |
| they call me every day it will be one more year and then it should fall off due to the seven year thing. What should i do somone please help and can they sue.... |
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 I had my car repossesed back in 2001, How can I get this off of my credit report?without filing for bankruptcy |
A friend told me that he wrote a letter to the credit agency, and they removed his repossesion from his report. Is there a time frame before this can be done? Separate question...
Also...My ... |
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 Is it true that when you pay off old collections it harms your credit score instead of helping it? |
| or if you settle instead of paying in full it also harms your credit score. The reason I ask is because I want to buy a house with out having a co-signer and my credit is in bad shape right now but I ... |
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 I have a Auto loan which they charged me 21.50% interest rate I guess due to my credit. Is that too high? |
| I recently had my car repossessed due to non-payment bcause I was very sick. I am trying to refinance to get another vehicle and possibly lower monthly payments. I currently paid $498 a month in ... |
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 How can you find out if there is a warrant out for your arrest? |
| I currently live overseas, and have unpaid credit cards/loans/ and bank overdrafts outstanding in the UK. I have not had any contact regarding this since leaving the UK. I need to return to the UK ... |
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 I'm self-conscious of how much credit card debt I have...Do I have too much debt? |
| I'm 25 yrs old, college graduate, I make approx. $45K gross income between 2 jobs(full-time job and part-time waitressing gig). I always pay my bills on time and I try to keep my Fico score up, ... |
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 I have 1800 in credit ard debt? |
| I WANT TO PAY IT ALL OFF BY 2011 SO THAT I CAN BUY A HOUSE. HOW CAN I DO THAT?... |
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 Can we stand as guarantors for our son in law who has a bad credit rating to buy a new car? |
| He needs to change his car but cant get a loan as he has a bad credit rating,we have a good credit rating but my husband feels it may affect our chances of getting a loan.Is there any way we could ... |
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 What is the best way to get rid of debt at credit cards? |
| I have credit available filled up, coz I had to pay for college.... |
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 Free credit report? |
| does any one know a free credit report service that does not have any hidden charges?... |
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 Can i get a credit card as i am 19 yrs old & salaried? |
Additional Details
can i get a credit card as i am 19 yrs old & salaried & Indian Citizen? I'll check with many bank please help me.... |
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 I can't get a credit card because I have no credit history. What can I do? |
| I'm 21, always pay my bills, have a steady job and go to school. I just want to build my credit but no one will give me the opportunity. Any suggestions, hopefully from someone who knows about ... |
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 Should I cancel credit card? |
| As of now I have 4 Credit cards. 1 secured card(where I had to put a down payemt of 200 dollars down to help build my credit. 1 capital one 1 hsbc. They are all mastercards. The 2 other cards have ... |
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 Do debts go away after 7 years? |
| I work for the USAF and was tracked down by a law firm representing capital one. They are demanding money for a debt from almost 7 years ago. She claimed that since I cannot pay them that they will ... |
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 Where can i find a loan for people with bad credit? |
Additional Details
i need the loan to pay off my debt and other billsi have tried applying with other company but no one will approved it my credit isnt all that great like 550... |
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 Why do schools not teach a consumer/credit understanding class? |
| I think this should be given in all highschools , all 4 years make it mandatory ,,, just as important as English , Math , Science,etc.. since understanding money , and credit is only learned now by ... |
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 Me and my finacee are trying to buy a house. We both have credit scores around 530. Anyone have any ideas? |
| We keep getting turned down over and over, surely there is someone who will finance us, we make the money, but our credit sucks. Please ... |
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speck | Debts are driving me insane, how to handle creditors calling day after day after day.? |
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Martin Chemnitz
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When they call do you talk to them? The reason why I ask is that they are only allowed to make contact with a borrower a certain amount of times. If they are speaking with you or leaving a message too many times they can get in trouble for it. Now if they call your phone but dont leave a message, that does not count as a contact and they free to call back multiple times in a day. Read the actual Fair Credit Reporting Act on the FTC's website to know your rights. You do have rights under this act. |
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joe m
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As someone else said, you can't really stop the calls without making the situation worse. But you can reduce the number of calls.
A creditor may only call once in ten days, IF a 'contact' is made. By 'contact' is meant a meaningful conversation.
Thus when they call, promise to pay 'next Friday". They may not call before then, and if you are mailing it, before the following Monday. Make sure you sound sincere.
Meanwhile pay the creditor who is least past due, and get that one up to date. This stops late charges and calls from that creditor.
Keep working on the least behind.
The others will get further behind, and may charge off, but if you can't pay, you can't pay.
Better to be past due on three with three late charges, than six with six late charges. |
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NONAME
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if you are over your head take all your bills and go to consumer credit counseling |
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luciousgreeneyedlady
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They won't stop calling until you talk to them and work out a payment plan to show them that you are willing to pay. |
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Rigo
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Tell them to stop calling you, they are required by law to refrain from constantly harassing you or else face fines, and if they call your bluff, tell them that you will report them to the FTC for violating the Fair Debt Collection Practices act.
Also... read that act, it clearly states your rights when it comes to people trying to collect debts on you, and protections you have against their actions and what they can and can't do.
http://en.wikipedia.org/wiki/Fair_Debt_Collection_Practices_Act |
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kyvann
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I leave my phone off the hook and use Callwave to answer my calls. If someone calls I want to talk to, I just hit the *Answer the Call* button so I don't miss anything important. This is also very nice since I have two young babies in the house and I don't need the phone ringing constantly waking them (or me) up! |
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Bow Hunter
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Call them and work out a plan to pay everything back. If you stick to the plan you both agree on they will stop hounding you and you will get out of debt quicker. |
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mldjay
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Read www.daveramsey.com his books (either The total money makeover or Financial Peace Revisited) tell you how to deal with creditors. His books also give you a plan to pay off your debt. One debt at a time. Deal with one creditor at a time, settle one debt then move to the next one all the while making minimum payments. He has a plan if you can't pay the minimum payment on how to inform the creditor and what to send in with your payment and that will keep the calls a little bit at bay.
He is on the radio in many areas or you can listen to him live on the Internet from 2-5pm EST. www.daveramsey.com
Good Luck!
UPDATE: I just read a response about tell them to put you on the "do not call list" also known as the Cease and Desist Order, if you do this you are asking to be sued by the company you have the debt with, they will stop calling you but they will drag you to court and get a judgement/garnishment against you. |
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chulin63
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send them a "donot call me " letter return receipt.
but do not ignore the problemat least not completely |
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C S
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Get an answering machine.
Disconnect the phone.
It is YOUR telephone...for YOUR convience; not for them to harrass you. |
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andy208286
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Just asking them to stop calling is not enough, you have to send requests in writing. At that point they will no longer be able to call you on the phone, but they will continue to send letters.
You have to talk to these debtors. All credit card companies are willing to make settlements after a period of time, because they believe that you're probably not going to pay them anyway, so any money they get is a bonus. I was 5 months delinquent, and made a deal to pay $30 dollars a month on a balance 0f almost $3,000.00. I did it for a year, and then they reinstated my credit line. If you are vigilant and really have the desire to get yourself out of debt, you can do it, and the companies, amazingly enough, will actually help you to do it. |
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Kevin K
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All you have to do is write them a "cease and desist" letter (C&D). Those are your rights under the Fair Debt Collections Practices act.
Simply write a one-sentence letter that reads like this, and that will stop ALL of the calls and mail:
"According to my rights under the FCRA and FDCPA, do not contact me again about this debt in any way, shape or form."
That's it. |
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