 WHy I can't get a credit card in my name?? |
| I am 20 years old and have applied for several different credit cards (student cards nontheless) as well as cards to different stores (ie express or target) and am turned down every single time. I ... |
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| For those who have stopped paying credit card bills, what have the collection agencies done to you? |
| Please, any help is appreciated. And only answer if you have experience with this, thank you :)... |
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 When Debt Collectors call, what do you say to them? |
| I owe several thousand on my visa, just under a grand for my cell phone, close to four grand in fines, twenty five hundred for impound fees, and another four grand for my car, so they're always ... |
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 What are some god payday loans place? |
| i need a fast loan ...do you know any ... |
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 CREDIT: what should I do??? I ordered a credit card I do not want, my first card (capitalone) how do I get rid |
how do I get rid of it without distorying my none existent credit stat
Additional Details
how do I get rid without distorying my credit or lack of?
cutting up a card does not ... |
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 I found out my wife obtained a credit card and ran the balance to $5000. Am I liable for this bill? |
| A collector called today and ask to speak with the husband. He informed me my wife has a credit card balance and did not make a payment. Also ask me if the PO Box was correct. I was unaware of ... |
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 Is there a statue of limitation of creditors requesting payment? |
| I had a credit card account closed in May of 2000 and all of a sudden i get a statement saying i owe them $600 after 7 years. Shouldn't this debt already have went on my credit? Is it legal for ... |
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 Does a Sears credit card work at K-Mart? |
| Just got a Sears account...was wondering if it could be used at K-Mart too. Thanks!... |
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 Should I Pay Off My Auto Loan or Credit Card Debt First? |
I have $4000 cash right now that I want to pay off some of my debts but I am not sure if I should pay off my car loan or credit card debt first.
The balance for the credit card is $6000 ... |
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 Is $3700 a lot in credit card debt? |
| My husband and I make around $80,000 a year and have 2 kids. He recently found out that I had credit card debt of $3700 and is livid. I don't think that is a high amount and believe most ... |
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 How do I go about getting a credit report if I do not have a credit card? |
Additional Details
I think I need to write to experian but what information do they need? Obviously I just through to a machine which cuts me off when I have not chosen from any of the ... |
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 Can I get a credit card if im under 18? |
Is there any credit card I can get if I'm under 18?
$0 annual fee.
Thanks.... |
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 Need help applying for a credit card? |
I am a college student and am considering getting my first credit card now. Is there any way to guarantee a credit approval?
I get financial aid paying for my college tuition. I work part-time ... |
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 What happens if you are 1 day late on your credit card payment? |
| Does it get reported to the credit agencies (equifax/transunion/experian)? I also had other late payments in the past for 1-2 days...but never over 90 days.....i'd say i'd been late about 3... |
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 Has anyone ever heard of north point lending services they asked me to send money for a loan??? |
| This comapny with this phone number 888-813-5726 told me i was approved for a loan of 20,000 and that they deal with bank of amercia but that my credit was bad and they have a private lender and i ... |
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| Capital One is killing my credit for no reason? |
| I have never hard or applied for a CapitalOne credit card - as a mater of fact, I don't even use a credit card but yet since Dec 12/12/2004, CapitalOne has requested/accessed my credit report ... |
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jackpiza | How can a charge-off be removed from my credit report? |
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simply_renee
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You can challenge/dispute it, and if they do not reply within a certain time period it is removed.
Otherwise, you have to wait until it falls off (7 yrs) |
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Studly
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Follow Credit Guru's advice.
I'll add that you must keep accurate logs of who you call, copies of letters, and maintain copies of everything they send you.
Send all letters certified mail. It's not necessary to get return receipts because all you need to show is you mailed it. Tracking info to show it was delivered is available on the web. Trust me, it will save you a lot of money in postage.
I've supplied some links that you will find helpfull. Study the links, learn the laws! Knowledge is your only weapon. Don't fight these jerks unarmed! |
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Credit Guru
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I would need to know more specifically as to what type of account (credit card, Collection, etc.) and how old it is as to provide a specific action, but here is the general method on negative information on a credit file.
The Fair Credit Reporting Act(FCRA) states that you have the right to dispute anything on your credit report that you believe is inaccurate. Send a letter of dispute to the 3 credit bureaus. You will have to wait approx. 30 days for them to complete their investigation. If it is removed then you have been successful. If not you will either have to pursue a debt validation strategy(works best for Collection Agencies) or neqotiate a settlement (if you have the money to settle) including a written agreement from them to remove or correct their reporting. |
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ch1cklette
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it is there forever |
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writerbynature
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I had a similar situation. The bank cashed my mortgage check, didn't credit my account, and reported me as a delinquent payer.
When I contacted the Bank, I got through to a VP, who corrected the mistake and sent copies of that corrected report to me and each of the three credit reporting agencies.
If the organization you are dealing with does not contact the credit reporting agencies on your behalf, contact Equifax, Experien and TransUnion directly. They each have an online form for reporting and resolving these issues. |
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melissa_4573
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by contacting the credit reporting agency and getting them to remove it |
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blinky472
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call them... see if you can pay it off... and get it removed |
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Ms. Niquee
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challenge the entry in your credit report. or call the company and negotiate. |
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thylawyer
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If it is correct, you have to pay it off. If you did not pay it because you dispute that you owe it or you dispute the amount, you can put an explanation in your credit report. Or wait 7 years and they have to take it off. |
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Jayce's mommy
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If it is wrong dispute it with the credit bureau. But if it is legitimate then you may just have to wait until it goes off. |
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justawomenjustagirl
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Pay it or seven years,if you can't dispute it |
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erick
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Have you tried disputing it to the credit bureaus as an unknown account |
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