 Check scam? |
| a strange thing happened last week. i received a check delivered overnight thru ups. it was made out to me for $2000.00. i took it to the bank and they funds were not available. so i waited a few ... |
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 How bad should your credit be before considering bankruptcy? |
| In other words, If i have a lot of negative items, and a score of about 560, should I just go ahead and file, or try and battle through everything? I have a mortgage that I am behind on and 2 car ... |
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 Ebay paypal? |
| is a payment by paypal only protected if you purchase off ebay,or are all paypal payments protected upto £500... |
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 If your check is being garnished for an unpaid debt can you file bankrupt? |
| or sue the debt collector for collecting on a debt that is over the statue of limitations?... |
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 Credit card hellpp meee? |
| ok i close my credit card at the point that it was about 563.00 know i receive a call that is 800 and something does it continue going to go up after close also they call and they tell evreyone how ... |
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 Whats a good way for a person like me who has no credit to get a credit card? |
| I have been applying for credits cards for a while online and stuff and it seems as if I cant get accepted and im guessing cause I have no credit history so I was just curious is there a website i ... |
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 Good 1st credit card? (plz read details)? |
I am 18 & have not had a credit card b4, I am looking 4 1 which i could use free (provided i payed the balance of monthly) & if possible 1 which gives cash back or points.
I have no ... |
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 Experian is saying that my credit score is 703. Why can't I get an auto loan? |
| I am only 19 and I have a lack of credit history but with a credit score of 703, why can't I seem to find someone to finance the car that I want? I make approx 35000 annually, so I definitely ... |
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 How do you raise your credit score fast? |
My credit score is 475 right now and I want to raise it to 800 before the end of this year. How would I do that?
Thanks.... |
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 How old does a debt need to be before you can no longer be chased for it? |
Additional Details
I am in the UK, I don't live above my means. I own my own, very profitable business! This is a debt i knew nothing about util they contacted me after 4 years! I ... |
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 Why did i get a credit card im 15? |
| ever since i turned 15 iv been getting credit card in the mail when i try to actavate then they say i must be 18 or older it relly ... |
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 How do I get rid of a credit card (other than just cutting it up)? |
| If, for instance, I just wanted to close the credit card account.... |
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 I don't have much credit, how can I build it? |
| I am 26 and finnally starting to grow up, I had a couple unpaid collections probably totalling $500, other than that I have never paid for anything on credit. Now I have a pretty good job and I want ... |
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 What happens to my debt if I die? |
I am a 23 year old college student, I don't live at home, but am still counted as 'dependant' on my parents taxes, and included in their insurance.
I am wondering, what ... |
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TheRock | Fair Credit Reporting Act - ?? |
I have two entries on my credit report for the same account (one by the original creditor and one by the collections). Is there a section number in the FCRA that applies to only one company legally being able to report the account? |
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benjamin r
|
you can put a dispute on it yourself as well if the original company you owe the debt to refuses to remove it. |
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OC1999
 |
Sorry but that is a valid entry. In this case the Original Creditor will list the account as a Charge-Off and have a 0 balance. The Collection Agency will list the current balance due.
The only thing you could dispute is that if the Original Creditor is listing a balance or you have more than one Collection Agency reporting the debt at the same time. |
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Ted
 |
The fact that they sold the account to a collection agency doesn't change the fact that you have a history of missed payments and default with the original creditor. |
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steve m
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if you send a letter to the collections a cease and stop they will never contact you again most likely the will sell it back |
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Joe C
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Check ftc.gov |
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variance75
 |
There is no provision in the Fair Credit Reporting Act that states every account can't be listed. My guess is that you worried about the double entry and its affect on you credit score. Realistically, the damage is done. The best option is to cure the derog by paying what you owe. |
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JOYCE H
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based upon your situation,I think you should find something useful here.http://creditreport.online-helper.info/freee-annual-credit-report.html |
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Donna K
 |
You have to contact the original creditor to have it removed. They still show it as "bad debt" until then |
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philslittlemama
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You can dispute this.
Here is a list of common discrepencies that ARE disputable:
Common Reasons for Inaccurate Credit Reports
Mixing someone else's information into your reports
Inaccurate reporting of payment history by the creditor
Misapplication of payments on multiple accounts, showing a larger amount due on undisputed debt, but a smaller amount on disputed debt
Indicating a bankruptcy on your report when you are a co-signer on a debt but not personally in bankruptcy
Accounts fraudulently opened by Identity Theft
Impermissible Access by Spouses, Insurance, Account Reviews, Employers, Opposing Party in Litigation, Car Dealer, Bank
DOUBLE ENTRIES ON THE SAME ACCOUNT
Multiple reports of the same debt by former and a current debt collector
Reporting a more recent date of delinquency to make the delinquency appear more recent than it really is
Failure to note that an account/debt is disputed
Reporting of Obsolete information (account that was in default more than 7.5 years ago except for judgments and bankruptcy) |
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ebookrom
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you can dispute it, I did
and now it is off of my report. |
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