 Where can I find a free credit report without having to pay to join? |
| Where can I find a free credit report without having to pay to join? Do you know of any site I can go to where I can just fill out my info and not have to pay anything??? please help me, ... |
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 Is 24% APR to high? |
| is having an APR of 24% good while you dont have good credit to get a ... |
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 Is anyone actually bothered about the credit crunch? |
all in the media it seems people are running into their houses, absolutley terrified the economy is going to get them...
...however no-one i've ever met actually seems bothered. i ... |
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 Never can get a credit card? |
| Don't answer if you don't actually know the answer, because I read some of the other peoples questions/answers on here and it seems to be that some answers to the same question are ... |
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| HELP PLEASE!!! If i cancel my checking account and open one at another bank will it stop 24 hour fitness ....? |
| ...from withdrawing money from my checking account? There was this free program i signed up for, and they gave me a 3 year membership without me knowing. i just discovered $40 dissapearing from my ... |
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 Does anyone know where I can get a free credit report, w/o giving my credit card #'s online? |
I am looking for Experian credit report.
Many of the websites, have you sign up for a free trial, and give credit card #'s...
I don't trust that...... |
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 Please help me- paypal dispute? |
| i purchased a ps3 off ebay (never buying off there again) and the guy took my payment on paypal, then he emails me after hes taken the payment saying he cant send it as im not verified on paypal with ... |
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 Is it true that unpaid debt will disappear from the credit report after 7 years? |
| I'm not looking for advice about how to avoid getting into debt. A close relative coerced me to get credit cards at age 19, so that he could make purchases, and promised to pay it back. Yes, I ... |
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 What should my friend do about an unpaid medical bill that has been sent to a collections department? |
| The unpaid balance from the hospital shows up on his credit report AND the unpaid balance from the collections agency shows up on his credit report with a different account number. Who should he ... |
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 Any way to improve credit score w/out applying for a credit card?? |
| I just very recently paid of all my credit card debt and I have been told to improve my credit I should get another credit card and pay on time (obviously) but I have been denied. Is there anyway I ... |
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 Will I get into trouble for giving false information on a credit card application? |
| I'm a college student, and there are lots of guys around campus giving away free sandwiches if you fill out credit card applications. I've filled out a couple with totally false ... |
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 What is the worst that happen if you dont pay your credit card debt? |
| Like they have been sending letters & now sent a post card saying i was out & will contact me during this time, if i dont open the door & dont contact them then whats the worst that can ... |
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 How can I make some money........quickly? |
My partner and I work 72 hours a week between us but, a forgotten debt has cropped up.Bailiffs called to our home and are threatening to take our belongings when they return in 5 days.
We have ... |
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| How exactly does a credit card work? |
| I want to apply for a credit card that starts out with a minimum credit line of $300. If I get it, it will be my first credit card. If I get the $300 credit, I want to make a purchase for like $200. I... |
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 Does credit card debt get written off when you die?? |
| My sister-in-law died yesterday as she had cancer but we expected her to live longer. I have just heard that she has spent around £20,000 on credit cards since been diagonised with cancer in S... |
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dennsxt1948 | How long before credit card companies give up on late payments or no payments? |
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 |
 
SPIFIMAN1
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Well, it takes 6-months for them to charge off the accounts and sell them to collection companies.
The collection companies have until the statute of limitations runs out to sue you for the balance, after that they can still sue but all you have to do is show the court that the S.O.L. has expired and the case will be dismissed.
There is no law stating how long they can try to collect the debt. |
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aladdinwa
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If the credit card company can't collect from you, they will just sell your debt to a collection agency. You don't want a collection agency coming after you. Contact the credit card company, or a credit relief agency and work out a new payment schedule. You will lose your credit card, of course, but it's definitely better than the alternative.
. |
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T L
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They may stop calling but it will still be on your credit as unpaid. It's better to pay...most companies will work with you on a payment plan or a settlement amount. |
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bdancer222
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After 3 to 6 months, the credit card company will either sue your or sell off the debt to a collection agency who may also opt to sue. More and more creditors are going to small claims court to collect credit card debt.
If they go to court and win a judgment, they can attach your bank account, garnish your wages, and lien your property. You would really be better off to try and work out a payment plan now.
Even if they don't sue you, they can continue to hound you to the grave. But the negative item will fall off your credit report in 7-1/2 years from the date of default. |
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stopccdebt
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Late payments become part of your balance. If you can get them caught up, it is the best for your credit and financial situation. You might even consider credit counseling to help you get caught up.
Once you fall 6 months delinquent, the debt is charged off and sold to debt collectors. |
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Budlightgurl
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They never give up. They will send you out to a collection agency and those bastards will hound you to your grave.... day and night. Nasty folks! |
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wareagle30
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they wont stop... they will attempt to collect it, then send it to the attys who will sue you and the judgment will be enforcible for 15 years. or sell it collection agency to agency for the next 20 years with each purchaser reporting it to your credit.. |
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CHRIS V
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Many of the previous responders are correct. It won't stop anytime soon. Yes, generally 7 years after charge off it will drop from your credit report, but.....They will still be able to sue you. It varies from state to state, for example, in Ohio you can be sued for up to 15 years later. I work for a large bank, and we don't necessarily just sell the debt off. We do some research on you and determine our best course of action. More and more, we've been suing people because we usually only get about 10-15 cents on the dollar for debts sold. |
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JB
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The minute they turn them over to collections. Those guys never give up. |
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Ms. Angel..
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Credit card companies don't give up. They might discontinue calling you or requesting payment, that is because they are busy calling their debt collectors to collect this amount from you. Or they might be getting ready to issue you with a "suit". This of course goes on your credit report.
Late payments alone get reported to your credit report. You will not be able to get credit anywhere and if you do you will have a very high interest rate. You will be lucking to get a credit card with a limit of $300.00 and interest rate of 29.5%.
So you are not in the clear, some one will be knocking on your doors, soon.
Trying calling and setting up some type of payment arrangement. |
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vwgirl18
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8 years. |
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