 My credit card company just called, asked me about a potentially unauthorized charge to my account? |
US Bank.
I verified that it was unauthorized.
Question: do banks call proactively like that?
This is a first for me. Plus, I checked the internet account, and the ... |
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 Where can I find a free credit score? |
| A real score. not a gimmick. not a report.... |
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 I need a recommendation on a new credit card. I'm building my credit and I don't want a fly by night card. |
I just bought a car and increased the limit on other card of mind. I think my credit should be good enough to get a card that doesnt have a annual fee and or high apr.
T... |
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 How can I get a car loan if I have bad credit? |
I have a 2 yr old bankruptcy and they are saying I was denied due to this and the fact that I have no revolving credt currently... no credit cards...
I dont want to pay out the butt... ... |
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 What do you do if someone is using your credit? |
| I think that someone has stolen my identification some how. I and 23 and have never had bad credit in my life. Now all of a sudden. I am being told that my credit is bad. I am scared what should I do.... |
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 How many credit cards should a person have? |
| I know having too many is not good for a person's credit score and looks bad to those checking this credit. But not having any credit (such as cards) is not good either. So is it best to have ... |
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 First credit card? |
Just got my first cc ever trying to build my credit since i have none.But iam in need of some advice how exactly does this work? Tips/advice
what is the cash advance limit?
Lets say I... |
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 Will a debt collector take you to court for a 1000 bucks? |
| My husband is making payments on this bill but we dont trust the debt collector. He only fell behind because my husband lost his job when he became ill and had to be hospitalized. It was over a year ... |
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 Credit card trick: Is this possible? Is this illegal? |
Let's say you have two credit cards, each with a $10,000 limit that you can take out in cash, and neither charges interest if money you borrow is paid back within one month.
So, you get $10,... |
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 My husband and I are going this weeked to look at? |
| modular homes . we live in pennsylvania, my lowest credit score is 495, my husband is in the 500 range, what are our chances of being approved for a mortgage, we own the property where the home will ... |
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 How can i find out if someone has registered a credit card to my address? |
| I have received a package at my home address the address is mine but the name is not,. This has happened once before and i thought it was an innocent mistake but this made me suspicous (and the name ... |
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aries | I have many credit cards that are in a collection agency, should i pay them monthly or pay all at once? |
Im trying to raise my credit score, so is it better to pay off all at once or should I pay monthly payments? |
 |
 
SPIFIMAN1
|
Unless you have a written pay for delete agreement from the collection company paying old accounts in collections will not help your score at all as a matter of fact it will actually hurt your score because if you pay them they become recent rather then old accounts and will lower your score. |
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Sand Bag
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It wouldn't make a difference how you paid it since it's already in collections. Make sure you have a written agreement with them to remove it from your credit report, in exchange for payment or don't pay it. |
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SlimMick
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You need to understand that if you've had a bunch of recent charge-offs, paying off the collection accounts for these items won't magically fixed your credit rating...
You can expect a slight increase in your score if you pay them off....Only the passing of time will fix your score....sorry
Make settlement offers in the 25% range and go from there. Always get the terms in writing PRIOR to paying them. Never accept verbal promises from debt collectors. Never, ever give debt collectors your checking account number. |
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delmoki
 |
If they are already in collection, and you have the means to pay them all off, then definitely do so! This won't make a huge difference on your credit score, but it will positively affect your debt-to-credit ratio some. You'll still have the delinquencies on your credit report for 7 years (in most states).
Also, if you can pay them off you can avoid more interest and fees from the debt collectors. So if you have the money, do it now. |
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Doctor Deth
 |
since they are all in collections, your credit score is probably pretty bad right now. If you have the money to pay them all off at the same time, why didn;t you do that before they went to collections? - or at least make monthly payments on time - even if you pay them all off right now, it will take a long time for your score to recover |
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Daniel
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honestly, if they are already in collections, then it doesnt matter much.
it wouldnt hurt to try to settle for less, or get an agency to do that for you.
i would pay monthly just so you do pay it instead of using that saved money on other stuff...
good luck. |
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Soji Guy
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monthly payments. |
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Lincoln6
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They'll be happy to get the money any way that they can. Try a Credit Counseling Service and they'll make it easier and save you some money. |
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Mommy to Lauryn and Sydney
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Pay them all at once if you can.. |
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Anjell
 |
If you can afford to pay them all at once, then please do so.
This will lower your high debt to income ratio.
If you can't afford all at once, then pay as much as you can up front and stick to a monthly repayment plan.
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kuroda_ryu
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if you can afford to pay 'em off at once and they're in a collection agency do it, if they're just cards you have balances on and your trying to build a credit score pay them over time. |
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