 Bad credit loans? |
| i have bad credit but need a small personal loan with no upfront fee. Can anybody help me?... |
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 Where can I get a "real" free credit report on the web? Anyone know a ..? |
real site that does this without having to sing up for anything or get spammed?
thanx
Additional Details
Oh I forgot to add this I am from Canada and freecreditreport site ... |
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 Should I pay this off?? |
| I received an offer in the mail for a settlement on an old credit card debt. It's almost 10 years old. Do these fall off of a credit report or should I pay it? I cannot find any information as a ... |
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 650 credit score with 16% APR? Bulls**t!!!!! Finance Manager? |
| I went to Toyota dealer yesterday to buy a 2007 camry. After taxes and adding a sunroof the car totalled 23000. The finance manager tried to give me a APR of 15.95% and the car note would be 618. W... |
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 If you have good credit and your spouse has bad credit, how much does it affect you? |
I'm debating this with my boyfriend.
He says that if he has bad credit, and I have good credit, and we get married, his bad credit will not affect me at all.
I say that when we're ... |
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 I don't have a credit history. What can I do? |
I tried to get a mobile and the shop told me that I don't have a credit history. I have never used a credit card or loan, which I thought was a good thing.
Please help!... |
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 How do i go about getting companies off of my credit score? |
my creidt score is terrible as of right now! i had seen my credit report in person! i see where some companies still have me on there for a report purpose only, because ive got them paid off!
... |
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 Building credit question, help!!? |
Secured credit cards are designed to assist people who have never had credit or those who have bad credit, in order to enable them to establish a good credit rating.
Must one be 18? If so, is ... |
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| After you have paid all your bills for the month - how much money ..? |
| do you have to spend on yourself for going out/ clothes etc for the month????... |
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 How can I rebuild my credit? |
| My credit is really bad and has been for about 4 years now. I cant get excepted for any kind of credit cards and because of some old hot checks I cant get a bank account. I have tried to get a bank ... |
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 Cleaning up my credit report? |
| I have a lot of old debt on my report. Plus a few things that were added about a year ago. A few things are going to fall off this summer. I went through 2 layoffs and a car repossession ( the car ... |
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 Does anyone knoe of a FREE crdit report site.Where I DO NOT have to give a credit/debit card# to get my score? |
| I don not want to give my debit or credit card, I want an absolutely free site, where I can get my credit score. Thanks.... |
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sherri m | How do I get items removed from my credit report if they are more than seven years old? |
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Celeste
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According to the Fair Credit Reporting Act, the 7 year reporting period is no myth, it's a fact!
And reselling the account to another collection agency does not restart the 7 yr. reporting period; that's illegal!
If your accounts are more than 7 years old, just dispute it with each credit bureau; you can do this online for free. Just let them know the reporting period has expired.
The bureaus will investigate and make any corrections, if needed. They should also send you an updated report in the mail.
You need to read up on the Fair Credit Reporting Act. |
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Studly
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I wish I had a dollar for every time I've answered this question....and two dollars for every wrong answer on this question! I would be rich.
Come on, SCH! I know you have seem my answer to this, and you still have the guts to say "it's only a myth"??!!??
OK, once again...lets all open our books to the Fair Credit Reporting Act (see below)....where it clearly says negative items must be removed from your credit report after 7 years, beginning from the date of the delinquency. Failure to do so, or knowingly reporting the incorrect date, will result in a civil damages of $1000 (very easy to get through small claims court).
The trick is that you MUST know how the law works and you MUST follow a procedure involving writing some dispute letters, and demands for validation. If you do everything correctly, and the item is not removed from your report, you can easily file a lawsuit and collect $1000.
See the links below. |
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Sweet B
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I dont know but if u find out please let me know I need to do the same thing for mine I know this doesnt help u but Ireally need to do something about mine and i didnt know you could do that |
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H. A
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The Federal Fair Credit Reporting Act mandates that any debt can be removed upon request of the consumer after seven years of total inactivity, whether good or bad credit. The fact that a debt, (bad), is sold to a collection agency and then to another and so on does not extend the seven years. In fact, in my State, if the creditor fails to sue you on the debt within four years all ability to collect the debt goes away. In this case it will still remain on your report for a total of seven years and longer, but upon you requesting that it be deleted, due to the fact that the statue of limitations has expired, per the State or Federal Law, the item must be removed from your report. Predatory collection agents can get into a lot of trouble if they report a debt after it has existed past the legal limits of collection, and all you have to do is write them a notice and send a copy of it to the appropriate Federal and State Agencies. Also, send a copy of these letters to the appropriate credit reporting agencies. You can also request that they delete any old accounts, even if they are positive, as they should not be used when scoring your credit score. |
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Barry C
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You can edit your report online with equifax, transunion and experian. Go to their website and report the mis-information. |
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bubiandme
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After 7 years all items just fall off your credit report, you don't have to do anything. |
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williamsandlin2007
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Through credit repair. I had a similar situation and took care of it myself with a credit repair kit I learned of here on Yahoo Answers. I got it at www.creditrepair101site.com
It was less than $20 and helped to get my credit squared away. |
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acermill
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You can only ask to have them removed if there has been a time period of seven years from the last activity, and NOT from when the debt was incurred. You're not clear what you mean by 'more than seven years old'.
If a creditor sells your debt to a collection agency, your seven year love affair starts ALL over again. |
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Dewey K
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I had a friend with an identical situation. She had tried to get them removed unsuccessfully then I found a site with credit attorneys who did the job for her LEGALLY. It's worth a try: go to
http://www.1-800BadCredit.com and check what they say about credit. It worked for us - good luck!
The credit repair page is
http://www.1-800badcredit.com/bad-credit-repair.html |
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SCH
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Until the debt is settled it will haunt you because they will keep reporting it until you do...it is urban ledgend that it falls off after 7 years and then you no longer owe it...it just keeps getting assigned to different collections until you pay it. Your best bet is to settle the debt, but before you do I found this great website that gives good information about settling debts and negotiating with your creditors!
Good Luck |
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philo
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You need to get one of those long soft white erasors. They come in a little plastic thing that looks kind of like a pen, and you can move the erasor in and out. Those reddish/orange erasors they put on the back of pencils won't work. They just smudge. Get one of those soft white erasors, and it should do the trick. |
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gary h
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I don't think so. Mine goes back thirty five years. You can report inaccurate reports, but these are true, correct? |
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