 Will a collection agency bother to sue for $1700? |
| This is an unemployed woman with no assets to speak of, though they probably don't know that yet.... |
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 If I add my name to my husbands auto loan will that help improve my credit? |
| I bought my first truck 1 1/2 years ago (barley because I had no credit) and now I am selling it. I have a buyer ready but I am affraid to sell it because I am worried that it will hurt my credit. W... |
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 I need a cell phone provider that doesn't mind bad credit? |
| my credit is not good but i would like a cell phne with out having to pay a deposit but i dont want prepaid. is there a cell phone company that will offer me a contract with poor ... |
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 Can my credit ruin my Fiances credit when we get married? |
| I have really bad credit right now that I'm taking care of. But in the meantime, I would like to get married in like 2 years, but we are afraid if we do it will ruin my fiances credit.... |
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 Why do they bother? :-(? |
| My credit got very bad a couple of years ago after I went >$10K in CC debt. I have been busting my can to fix it, and it's better but not perfect. (My credit scores are between 603-650, ... |
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 What should I do, I accidentially bounced a check? |
| I wrote a check to my job that I found out today was returned nsf. I accidentially grabbed the wrong check book and thought I had written it out of another account, it was an honest mistake and I ... |
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 Bad Credit-Home Loan? |
| I have a 495 credit score and just had a recent divorce and still living with my husband. I am staying with him to save money however I want to get my own home and its seems not to be possible ... |
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 Lookin to get credit?? |
i have no credit. i'm lookin to get some good credit. i'm really iffy about credit cards well the damn things scare me. Whats the best way to get credit?? thanx
Additional Details<... |
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 I am unable to make my minimum credit card payment. Before signing up for a debt settlement program, should I? |
| talk to the bank about this situation? Do banks lower the balance and work with a customer in trouble, to help resolve this problem?... |
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 DESPERATELY need a loan shark. I know all the stories but MUST do something NOW? |
REALLY IN TROUBLE. Someone please help me.......
Additional Details
Tried all the online bad credit loans and got alot of denials as well as junk offerings. Even had a few call saying ... |
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 19yr old army lad needs loan or finance for car? |
| 19yr old been in army three and half yrs no credit who can he ... |
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 A creditor said I had to pay $450/month on a debt I was behind in.I can pay $225/month.Can they sue? |
| I live in Tennessee. I have corresponded with them from the beginning and have told them that now I can pay the $225 I was paying before I had problems. I have paid payments of $500 once and $450 ... |
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 How can I have a good credit score? |
How many credit cards are recommended to have open?
How often should I use them?
What can I do to increase my points?
Can you give me some tips on how to maintain a good credit?
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 When I apply for credit cards, do I use my old address or my current one? |
I didn't know which one to use or will they send it to my old address
Additional Details
I don't want them sending it to my old address because my ex lives ... |
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swtBB;; | How can I get rid of negative marks on my credit report? |
I have $2,000 in debt from collections and am going to pay in full this month. . What can I do / say / write to them for them to remove my negative marks??
THANKS! |
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SPIFIMAN1
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What a bunch of crap answers.
This is what you need to do, call the companies and demand a pay for delete agreement this simply says that in return for your payment they agree to remove the accounts from your credit bureaus.
Do not send them a dime until you have this agreement in writing. Paying off old collections without this agreement doe's nothing but actually make your credit score worse because the accounts become current rather then old. |
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Studly
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Spiff is absolutely correct.
This is one of the dirty little secrets collection agents play on you. While you think paying your debt will improve your credit score, it actually doesn't (and will actually make it worse).
They will tell you that they can not do it, it's illegal. Another lie. The truth is the law permits the creditor to add, modify, or delete any item they post on your credit report. There is NO LAW requiring them to post anything!
If they tell you they won't do it, it's because they want to punish you. So why on earth pay them if it's not going to help. |
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James T
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This is what I did.
Instead of paying the debt collectors directly, call the original creditor and try your best to pay them directly. In most cases the dept collector is different that the creditor.
When you do this you'll cut out the middleman/the debt collector is left out of the loop Any remarks that you have with the debt collector cannot be put on your report. Only the late remarks will be there from the creditor but not the debt collector remarks.
If the creditor (or the agent) is not will to accept payment from you, you can just make a payment online or send them a check most of the time it will automatically go through and the debt is considered satisfied.
Once that is done you can submit paperwork the the credit bureau stating that the info might have inaccurate info (spam them, eventually they mess up), and you can get the "30 days, 60 days, 90 days late" comments removed. But usually its a matter of luck since technically your were late on the payments. But It worked for me. 590 to 710 in 2 years!!!!!!! |
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Club soda not seals
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Once the debts are payed it takes a few years for them to be removed. They will be marked as paid, but there will still be evidence that you didn't pay on time and it had to go to collections. You can build good credit by paying all your bills on time from now on and opening up a checking account. |
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Bryan J
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First I would dispute the collections thought the credit reporting agency. This takes up to 30 days. If this does not work then I would send a pay for delete letter. You can find many examples. What this does is if they agree to accept your payment they are going to remove the item from your credit report. This is not an addmission of guilt but of a way to resolve this quickly. The collection agency signs the form and sends it back to you. Then you send a check with copy of the letter. If it does not come off your credit report within thirty days of them cashing your check, dispute the item again though the credit reporting agency like Transunion and send a copy of the signed letter. |
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James G
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You can use credit repair agency, for example this one - http://creditreport.imess.net
They will clean lots of bad stuff from your credit report - and do it much faster than yourself.
You will spend lots of time by personally doing it... I guess you are not a lawyer. |
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Max
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The most surefire way would be to send a check, and on the back in the endoresment section, write "Deposit of these funds by the recivor constitutes agreement that all negative marks will be removed regarding the signor's credit history" or something like that. I'm not a lawyer so don't know the correct wording, but if they sign it to deposit the check, they are signing a conditional contract.
Try going to the forums at www.creditnet.com. With the help of those forums I completely eliminated years of bad debt and collection accounts within about 6 months and now I have perfect credit. |
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RD
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you'll just have to wait it out ...once you have negative marks on your report, only time will take them off ....about 7 years. |
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Leaulyphe
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This is what I did and am continuing to do. I took out a secured loan with my credit union and left the money in the account that paid it off. It paid itself off and it raised my credit score. Also, banking at the same bank for years also helps. I can go over my account by $750 in the negative. When I 1st got my account, if I bounced one check i'd be cut off and if it was too high of a check they wouldn't even pay it. That shows that my credit went up. |
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tracy b
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once you pay them off, make sure you receive letters from them....then you can write to the bureaus to have them removed... |
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dcon_frost
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...wait 7 years |
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I'm Blue
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Liquid Paper usually works...:) |
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annazzz1966
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Any negative marks on your credit report will remain there for 8 years. Only time and your continued ability to pay your payments on time and in full will return your credit to a positive stance. |
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