 Raising credit score in 5 months? |
| My husband and I are hoping to buy a house in the summer. Right now our credit scores are in the low low 500's. We have about 5 collection accounts ranging from 2003-April 2007. I paid off ... |
|
 A lot ofbusiness won't accept credit card purchases under $10 now. Can they do that? |
| I saw a report on the news that said credit card companies do not like that when merchants do that. They said to call their customer service line and inform them of which businesses are doing that.<... |
|
 Question about credit cards.? |
Im not really sure how to ask this but here it goes.
Say you get a credit card with a 10% amount interest rate.
You go to the store or wherever and spend $100.
When the bill comes, ... |
|
 I have credit card debt $5,000 worth, a car payment of $480.00? |
| I make on average $1,600 a month. I have credit card debt, rent, and car payment. Not to mention maint., food, GAS, clothing, emergency. I can barely save. What do I do. How can I refiance my car if I... |
|
 If someone finds bank/cardit cards and they know the pin number, can they use it and get away with it? |
Additional Details
people said on here they can get caught for first time but how unless if they is ... |
|
 Will people actually sue me if I won alot of money in the lottery? |
| If I would have won the $273 million Powerball Lottery, will people line up to sue me? They say get a lawyer, but for what reason other than to fight off lawsuits?... |
|
 College Student with $9000 in Credit Card debt? |
| Wow! I started overcharging an exorbitant amount, and have now shredded my credit cards and need to stop interest from accruing and stop collectors from calling. I'm going to be in college for ... |
|
 I have won a lottery how I can receive money? |
I have bought through internet a lottery to me the message has come that I have won the certain sum
There write that I can them receive and I have filled in the questionnaire but me the answer ... |
|
 10 points...If I had a credit card in my name, not my husband's can they tell him my balance? |
| This is nothing pertaining to me, but somebody I know. The credit card company called and said that if he doesn't pay $500 by a certain day, then they will take him to court. They said all of ... |
|
 How can I establish credit when I can't get a credit card or even a storecard? |
| I am trying to establish credit (without having to go to a bank and take a out a loan. I hate going through all of that.) but I can't get a credit card, let alone a storecard.I have a job I'... |
|
 How do I repair my credit after a divorce? |
| I dont own a car or a house but I do make an alright wage. I dont have any credit cards and the only thing I have to pay other than living exspences is ... |
|
 What do I do if someone used my name on a bank loan account as a co-signer and I didn't know about it? |
| I once co-signed for a friend on a motorcyle loan that was paid off. Now that friend decided to take out another loan for a dirt bike trough the same bank and somehow my name ended up on the loan as ... |
|
 About credit cards? |
| I have a high credit score of 770. However, yesterday I was turnded down by a credit card. I think I was turned down because I don't make alot of money. Is there credit cards out there for ... |
|
 Paying off a credit card!? |
| Im about to pay off my credit card today and i have had this card for almost a year know and i never missed a payment but when i pay it off should i keep a low balance for a month.... |
|
|  |
chocolatebabycakes | I had a Mastercard that has been in collections for 4 years. The collections agency is calling me everyday.? |
I came into hard times and lost my job a few years ago. Things have gotten better and I am in a better financial state so now I am trying to work on clearing up my credit. I recently pulled my credit report and I saw the Providian Mastercard still on there but it said the balance is $ 0, and the words "account closed by grantor". Then a few rows down I see a collections agency that bought my debt and the balance is now showing $8,500. 3 years ago, when I owed Providian, the balance was for $5,300 so I guess they are trying to tack on late fees, collection fees and whatnot. I heard that I should just wait and let it fall off my credit because if I try to pay it now, it will still look bad on my credit report because they will show the reporting date from the day I talked with them and try to keep it on there longer. Should I talk to the collections agency and try to negoicate with them and pay it off or should I just ignore the calls and let it fall off of my credit report in 3 years? |
 |
 
echo
|
Before you decide to pay the collection agency, you need to find the statute of limitations (SOL) in your state.
If you are still within the SOL and you want to pay, send them a debt validation letter first. Make sure that what you are paying is the legal and correct amount.
You should also request a pay for delete.
In a pay for delete letter you would request to pay a percentage of the amount as payment in full.
That they will cease collections after payment.
That they will remove the account from your reports after payment.
That they will not sell the debt, or the remaining portion of the debt after payment.
You might go to the site I've listed. Do some reading in the newbie forum, so you can understand the terminology etc. Then do some reading in the credit forum.
You will be able to find your states SOL and also learn how to deal with collection agency's.
Everything on that site is free to read and use. Never pay a website for info that you can get for free. |
|
webworm90
 |
Providian will sue you if you send them a cease a diseased order if you don’t pay. You should have got a collection letter. You could write the collection agency and tell them to stop calling you at home and work but add I will pay $10.00 a month or whatever you can afford to pay. Send them a US postal Money order with this letter. As long as you keep paying, they would not sue you. They will still bug you by mail demanding payment. Just keep sending the $10.00. Make it clear to them I can only afford to pay $10.00 and don’t miss a payment. Keep a copy of the letter for your records. If you can afford to pay more. Try a Credit Counseling Service. They can sometimes get the debit cut down. |
|
money
|
We the surfers of cyber world meet with so many people every day. Surfing the net is the best pastime one can ever develop, as internet has the most knowledge, a surfer will never have to wait for a answer. The vast knowledge of cyber world is nothing as compared to the cyber society that it gives. Internet is a community but so vast that we need a place to make conversation easy. What more can be better than a chat room for this purpose, well a chat room and a message board along with a forum is the best combination really. I was actually looking for a place where we can find all these things with a profile and photo brouse option. Finally I got this site, this place is a very nice community where we can share every thing online. And also about the leader board, I must tell it is great. The thought of the leader board is unique, as not to many people has thought about this thing. And the method of getting the leader is very different and one must check out this site once. The cyber culture is growing, and it is about time that we find our club and that to a very different club, which is not a part of any big website house like the yahoo and google. This site am talking about has every thing that a cyber surfer ever wants. This is the website address, http://www.friendscyberclub.com/ Features of this site is: 1) chatting 2) view profiles and photos 3) upload your photos and make a cool profile. 4) your message board 5) forum 6) See your name on the leader board. There are also many more features available in the site, free to join. |
|
amylr620
 |
Let em call... After some much time.. depends where you are... They start calling before it's null and void and you don't have to pay anymore.. Statue of limitations. |
|
Mykl
|
The collection agency cannot extend how long this bad mark on your credit will last. Just because you call them not does not mean that it stays on your report for 7 years after they assume the debt. It will only stay on your report for 7 years after the original debt was incurred. Period.
As far as the debt. It is a legitimate debt but adding on that much in interest and late fees is, I believe, excessive. I would try to negotiate a settlement and get out from under it. |
|
Jerry H
 |
let it fall. Don't pay a dime! You have bad credit already. You're taking no risk!
This debt has no attachment to hard assets, no collateral! Why would you pay it when you're trying to get back on your feet? |
|
Whatgood
|
Hello!
These people cannot harass you anymore if you stop them!
You can can send them a "cease communication" letter and they must stop legally. |
|
Wisline F
|
TRY AND SEE IF YOU COULD WORK OUT A PAYMENT DEAL WITH THE C/C COMPANY WHICHEVER |
|
bella_4624_19
 |
If you want them to stop calling you will have to send them a letter telling them it is inconvenient to have them call and to only communicate through the mail. From what your saying, the trade line is reporting accurately. If you make any payments, it will start the clock over on the statue of limitations and they could possibly sue you. Unless you pay for deletion off you credit report, even a paid charge off is bad. A paid charge off and a non paid charge off affect you credit the exact same way. Dispute the trade line with the credit bureaus and seek validation from the creditor. They have to prove you owe the debt and the amount. It's up to you if you pay for it or not. Above all things stay off the phone and only communicate through mail. |
|
pessimoptimist
|
Talk to a credit counselor. Your credit is bad already and if you ignore this debt, it will just grow. In another three years, your debt could easily double. It's probably better if you face up to it now. But like I said, talk to a professional for the best way to handle it. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
10 | 10 minutes(s) ago
| | | |
10 | 30 minutes(s) ago
| | | |
10 | 50 minutes(s) ago
| | | |
10 | 54 minutes(s) ago
| | | |
8 | 2 hour(s) ago
| | | |
10 | 5 hour(s) ago
| | | |
10 | 6 hour(s) ago
| | | |
10 | 11 hour(s) ago
| | | |
10 | 2 day(s) ago
| | | |
10 | 5 day(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
