 Does disputing an unauthorized charge in your credit card affect your credit score? |
I heard from someone that disputing a credit card charge affect one's credit score score. Is this true?
Can you provide a website where I can get more information about this?... |
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 ****I just received my first credit card....now what? Two ?'s.****? |
How long do i wait until enough credit is established so i can lease a new or used car???? I havent used my card....i will this weekend.
Any tips? Links? Your experiences very helpful too.... |
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 Credit Card Trouble? |
| Hi, about 6 months ago I applied for my first credit card and got approved. I made payments on time and never went over the limit. After about 3 months they increased my credit limit. But all of a ... |
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 Will we lose our home? |
I have just found out my partner owes thousands in business loans,defaults and debts. They are all threatening action.
He is a sole trader and we have a joint mortgage on the house. We have ... |
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 Why Would a Cashier's Check Bounce? |
| I used $50.00 from my account to purchase a cashier's check and sent it to somone for a costume I purchased. I actually had $50.00 taken from my account and sent the check. A couple months later,... |
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 Please help. credit card debt: should i borrow or pay it off little by little.? |
| I often pay off my credit card bill every month. I've been struggling for the past 2 months b/c my income is low rt now since i don't work that many hours (student). I take care of my mom ... |
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 Debt collector giving me problems? |
| I had a credit card that i was making monthly payments on for a few years. I hit a rough patch and fell behind on the payments but continued to pay something. I exceeded my credit limit for a few ... |
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 Do you need a checking account in order to get a credit card? |
Additional Details
thanks to all those people who gave me good advice i did go open a checking account and i'm getting 2 credit cards coming in 4-7 days thankyou very ... |
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 I owe the bank about $9,000 for a repo. Do I need to worry about the bank garnishing my wages? |
| My car was repossessed and sold in Aug 2007. The bank has been calling me nonstop since then. Just recently they have left a voicemail that I need to settle the debt or they will pursue other ... |
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 Home loan?? |
| my house is worth about $550k.. My credit score is 559 right now, due to my excessive credit card and student loan debt.. nothing has ever been late, it's just that i have excessive amounts of ... |
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 Collection Agency wantin gbank information? |
| I have a past due account with Capital One for $1600. I have been trying to work with them to get it paid and offered a settlemetn however they will not accept a settlement offer unless I give them ... |
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 Can i be garnished for a 6 year old debt? |
| ford motor co, did get a judgement and now teir attorney wants a ... |
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 No money to pay anything now!!! please help!!!? |
| If i don't pay my car payments, what will happen??? and i will not pay my credit also, cuz i don't have any extra money to pay my car payments, and my credit now, i only can afford my house,... |
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| Can creditors force the sale of your house? |
| Very little equity in the house, we are in the process of doing a proprosal but am afraid they might force the sale. Ontario, C... |
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 Can credit card companies get away with this... Please read this & help!? |
| I lost my job. I fell behind on a credit card. They constantly call my home (I don't live at home). They accepted a $155.00 payment from my mom over the phone & told her that that would ... |
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 How long does it really take for negative things to come off your credit report? |
| Are there some things that never come off? Do the negative things only come off after they are paid?... |
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 Currently, what is the best credit card deal on transfering a balance? |
| im thinking of transferring my credit card balance to another card, what is currently the best deal, as far as a default of 20.0% APR or less? I have only seen a 32% APR on CITI bank for example but ... |
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cejones345 | Have I done the right thing? |
So I called GC services and the same guy I talked to and I had a more pleasant conversation. I agreed to pay $25 to promise that I would then pay $500. I got another loan, so I can pay it. He agreed to put me on a payment plan of $50 a month for 6 months, then we'll go from there. Is he being sincere or just trying to screw me again?
He seems like an okay guy, but I dunno if I can trust him to keep his word.
Additional Details
So now I'm not going to get sued by citibank. Or so he says. |
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Faye H
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I'm assuming GC is a collection agency.
I'm a little confused here. You owe Citibank how much??
You got another loan from someone else so you could send GC $500 towards the Citibank debt?
So now you have the original Citibank debt and another loan for $500?
I'll point out here, that they are continuing to add interest on to whatever you already owe Citibank so in 6 months, you will have sent them $300 and will have the overall debt will not have gone down all that much.
I don't know how much you can afford to pay these guys every month but you are getting killed in interest so you need to send more if at all possible and get this debt paid off as quick as you can. Collection agencies are a bear to deal with. Get any agreement you make with them in writing so they don't come back and change it on you. Find out what interest rate you are being charged right now and ask him if he'll reduce the interest rate to something like 9% if you double the monthly payment. He probably won't reduce it if you're only paying $50 a month.
And now you have the new $500 loan. Pay whatever you have to on that one too but don't be late on the payments. You don't need ANOTHER collection agency after you. |
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MJ
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I highly suggest you request all negotations be written out and a copy sent to you. |
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normobrian
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What the hell is this question about? What is GC?
And, no, he isn't being sincere; his job is to keep dollars coming into the co. He doesn't care what he has to do to get that done. He is not a nice guy; he's a collections snake. He'll tell you whatever you want to hear in order to get a check from you. That's how he keeps his job.
Never give a collections co., CC co. or anyone else that you are trying to negotiate with electronic access to your checking account. They can take out whatever they want, and you'd have to prove in court that they didn't live up to the verbal agreement that you made with some stranger over the phone in order to get it back. If you are settling an account for less than what they say you owe, get that amount in writing before you send them a dime. Then mail them a money order. Never let them make an electronic withdrawl from your account.
Oh, and BTW, citibank will not sue you for several years after your last payment. If you are a couple of months overdue, they will sell your acccount to a collections co. for pennies on the dollar. That co. will threaten to sue you, garnish your wages, , take your house, etc. If they don't get paid, they'll sell it to another co.
If you owe enough money (several thousand), you will get sued eventually, but that will take two years or more from the date of your last payment. They threaten you so that you will pay them instead of your mortgage co, utility co., or buy food. It's a psycological game that they play in order to get you to put them at the top of your list of priorities. Pay them if you can, but don't let them coerce you into paying them what you can't afford. |
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chuck allredd
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Trusting a collection agency is like trusting a crackhead with your wallet. |
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syooq
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do spend more professional time with him... |
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tryinthis2
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they cant sue you....omg if they say that they MUST do so by law. tell him he's' violating the fdcpa to threaten you like that.
they want the money now because they get the paycheck based on what they get out of you. |
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sweettoni37
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Always get things such as any verbal agreement,IN WRITING at times you may need to get it notarized, Now days ones word means nothing. |
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JR
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Not real sure what you're talking about. The only thing I can tell you is to wait and see. But be sure to tell him to send this agreement to you in writing. |
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Greg M
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They are really shady. Watch them! |
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