 I have 4 credit cards, which ones should i ditch ? |
Card #1 - Visa
Card#2- Mastercard (yearly fee of $60)
Card#3- Old Navy
Card#4- Victorias Secret
Additional Details
i've heard youre only supposed to ... |
|
 I'v never had a credit card...? |
| I'v never had a credit card..., and lately ive been geting offers APR is 17.74% is that good?... |
|
 I am a college student with zero credit. I applied for a credit card at Wachovia and was declined.? |
| I need money to pay for lawyer fees (and I absolutely cannot ask my parent for money). I need help as soon as possible... I am desperate. Thank you.... |
|
 IF I HAVE VERY BAD CREDIT BUT I HAVE $20,000 DOLLARS TO PUT AS A DOWN PAYMENT ON A $185,000 HOUSE CAN I DO It? |
| I HAVE 1 &1/2 YEARS TO BUY THE HOUSE THAT I AM LIVING IN OR THE MONEY GOES AWAY. I DONT HAVE GOOD CREDIT AT ALL AND SOME OF THE THINGS ARE RECEINT( LATE PAYMENTS,NON PAYMENTS, CAR REPO. ETC) CAN... |
|
 What is the best was to consolidate credit card debt? |
| I'm 21 and have made some studip choices on getting credit cards and charging them up. I have $8000 in debt and am still in school. Is there any way to get this reduced or set up as one payment. ... |
|
 I'm 17 and have bad credit! WTF? |
| I just got a credit report and I have 2 negative standings. Ones $48 and the other $58. The problem is, I AM 17! They been there since 2004 and 5. I was 13 and 14 at the time. AUGH! What do I do? S... |
|
 Does anyone know? |
| Is there a credit card out there ro help build bad credit if so what is it called oh by the way i dont have a bank account.... |
|
 I need a big auto loan. i have some questions. please help.? |
| i am soon to be 22 years old. i got my first credit card at 18yrs old and immediately maxed it out ($6500 limit). i made a late payment about 6 months into paying off the amount, but all other ... |
|
| I've just filed for bankruptcy, how can i start building my credit again? |
| i'm getting lots of mail to get approved for a new auto loan.i'm paying my existing car loan i don't know if i should trade in my car and open a new loan to start building my credit? ... |
|
 Can a merchant keep a printed copy of my credit card? |
| Just wanted to ask if a merchant/travel agent is legally allowed to copy my driver's license and the credit card and keep? I recently did a large transacation of about a thousand dollars with a ... |
|
 Debt help needed? |
| I have a daughter. At the moment she is un-employed. Her last employer made it plain that she was going to be sacked. She left because it was becomming impossible to work for them. That has meant ... |
|
|  |
tykesymbol | I have a problem!? |
About a year ago, I called a internet company to cancel my internet. Well something must have happened and it never was done! I called the next time and they said that they could fix. Fast Forward.... I got a letter from a collection agency for an outstanding total that I should not have to pay, and no one will help me! What should I do? I don't have the name of the person that was susposed to fix it, and they never sent me a bill. How can I fix my credit? |
 |
 
markus
 |
A similar thing happened to me once. I brought the bill in and said 'This was cancelled a year ago....what is this bill about?" They checked their records...I paid 10% on the balance owing. (part of the bill was my fault). A lot of companies use scare tactics. Face them head on. |
|
summer
|
you need to dispute it with the credit company's ...all 3 of them, transunion,equafax,experian.you are entitled to 1 free copy of all of them 1 time a year.that when you get your copies you have to fill out disout form that comes with it. for all 3 seperatly.and then you mail them back to the credit agency's |
|
spaznskitz
 |
Contact the collection agency immediately and explain the situation.
get a copy of your credit report, and if it is on there, contact the credit bureau you got the report from and take the steps to dispute it. |
|
toolman4ya
 |
Go back and look at your bills for the new internet service you switched to and make a copy of the bill. With the bill in hand send a copy and request to the dropped service for a record of the log file for any services used past the date of your first billing from the new company. Make sure you send the request in writing, certified, return receipt requested If they send you proof you have used it, PAY the bill. If not used, you have a starting point to contest the charges. If they respond that they won't send the log files or prove the charges make a copy of your certified letter, your bill form the new providor and their negative response. Send all the copies to each of the 3 credit bureaus and request that the negative credit remarks be removed as an unsubstantiated and unauthorized charge. Contest the charges with the credit bureau's using a copy of the bill from your new service to establish the switching of service and unauthorized charges. Be prepared for the question of why you didn't contact the old providor when you were first billed or when they sent the pastdue notice etc... MAKE SURE YOU DO IT WITH ALL 3 CREDIT BUREAU'S AS THEY UPDATE OFF OF EACHOTHER AND THE BAD MARKS WILL SHOW BACK UP IF YOU ONLY CONTACT ONE ...Good luck but it's a start. |
|
little bitty pretty one
 |
Well, you can contact the internet company and hope they will fix it, but in the meantime, rack your brain for the name of the person who helped you. You can also try to dispute the debt. |
|
stopccdebt
|
Copy them on formal complaints filed to the Federal Trade Commission, Better Business Bureau and your state's Attorney General.
Also, on that collection agency letter, you only have 30 days to dispute the validity of that debt. Dispute it immediately or else it will be held as a valid debt! |
|
senacia
|
good luck.
i feel for ya, but ive also been there.
eventually they came to some agreement that it would be lesser.. but i still feel screwed.
NEXT time, get the name, time, date.. you know, the good info. |
|
ruthie
|
This is a hard lesson you have just learned. Always do things in writing so there is no disputing what you said. Write the internet company and tell them your woes. Try to talk to an important manger or someone as well as writing to resolve this, but make sure you put it in writing. Don't deal with the collection agency at all. Tell them you will report them for harassment if they call you again. |
|
sarayu
|
You have a chance if you had sent an e-mail, while asking for cancelling your internet. Otherwise an honourable settlement is the other alternative.
VR |
|
poojally
 |
First off write back or call the collection agency and tell them what happened!
I agree with the previous answers, but be specific... with as close as possible on time frames of your calls. Somewhere along the line they will probably reduce how much you owe them.
GET your credit report. See if the collection agency is on there. See if the internet company is on there. Chances are that the internet company wrote it off as bad debt, So they don't care(somewhat) They'll take whatever money the collection agency will pay them.
You can call the credit bureaus and dispute if they are on there, but the CB's will request verification. If it's verified that's it, it stays on you report until it's removed after 7 years or the collection agency removes it.
Here's the kicker, if the collection agency is hunting you down to pay tell them you will pay a reduced rate and you want it taken off your credit report!!! I mean not just have it as "Paid debt in full" I'm talking about removed totally from your report. Tell them that's the only way you'll pay it......GL |
|
Bigtima
|
you need to pay i tthen dispute it. Dont let them post anything to your credit. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
11 | 28 minutes(s) ago
| | | |
11 | 41 minutes(s) ago
| | | |
11 | 1 hour(s) ago
| | | |
11 | 6 hour(s) ago
| | | |
7 | 8 hour(s) ago
| | | |
11 | 1 day(s) ago
| | | |
11 | 5 day(s) ago
| | | |
11 | 1 week(s) ago
| | | |
11 | 2 month(s) ago
| | | |
11 | 6 month(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
