 Need temp loan for 1000.00 bad credit.no luck w/payday loan.? |
| I owe irs. $10,000.00, which I have in my 401k.however I have an outstanding loan bal on my 401k for $1000.00, so I cant borrow until I pay my bal. can anyone help?... |
|
 American Express losing your payment checks? |
Has anyone been having problems with American Express lately? I have been a member since the 80s, and I have always loved my AmEx.
However, they have lost my payment checks three times ... |
|
 40k USD in credit-card debt. If I take a mail-order Russian bride,does my new wife have to bear the debts too? |
I'm thinking that as soon as I divorce her, she has to take on 50% of all assets OR debts, right?
Man, I'm broke....
I think its a great way to half my bills, right?<... |
|
 I owe about 10,000 in credit card debt with no assets. can i file for bankruptcy? I simply cant make ends met? |
| I was on disablility, while working so i had additonal income. Now SSI says I am working too much, and they have stopped all my benefits. But with the income I make I can't seem to make ends met.... |
|
 I have no credit history and I need an unsecured credit card without a co-signer. Any suggestions? |
| I have no credit history and all the credit cards that are available to me are a hoax. Most require of the credit cards atleast $200 of my own money to start the credit building process. If credit ... |
|
 Debt settlement or consolidation or bankruptcy, which is best considering? |
my credit score is currently around 650 but I am over stretched and just stating to fall behind on bills.
Additional Details
Why do creditors hate to see debt settlement on your credit ... |
|
 I'm 19 With No Credit. How Do I Get It? |
Additional Details
Without Getting A Credit Card?... |
|
 Need auto financing, have bad credit? |
| i am trying to find auto financing, last year has been horrible for me. I went through bread cancer treatment and thank God I am alive, my financial creditentials went down the tubes. I was out of ... |
|
 I forgot how, figure a percentage of something? |
| Like on credit card checks, they charge a percentage of the check as a fee. I plain forgot how to do this. I feel so dumb. When I learned, there weren't personal calculaters. Could someone ... |
|
 I need to get the last 4 digits of my deceased grandmothers social security number,? |
| my mom just passed and she has a credit card with my grandmother name on it, my grandma passed away 2 yrs ago, and they wont let me cancel it without knowing the primary account holders (my grandma) ... |
|
 The REAL answer on paying off collection accounts? |
| I have read that you should not pay these off, especially if they are close to coming off your report, becasue they will "re-age". Is this true? Also, can you have an entry for the ... |
|
 Repo, after divorce, car in both names? |
| The judge said she got the car in our division of property Feb. 2002 . I made car payments till May 2002 because my contact info was the only they had. My-ex and I didn't talk for those months, ... |
|
|  |
hasdad62 | I have two collections left on my credit reports? |
I have contacted both of them asking for a pay for deletion letters, and they both refused. The total of both is only 145.00. If I choose to not pay them until the 7 years is up, how will it reflect on my credit worthiness? Im in the process of refinancing my house, and if these two wont cooperate with me on getting them removed, then why pay? They are both hospital bills and 3 years old. What will it mean to my credit score this far out? |
 |
 
SPIFIMAN1
 |
Over 90% of credit score is made up of the last 24-months of activity, if they will not go along with the pay for delete agreement don't worry about it.
I had a collection on my credit that was larger then yours and it made no difference when I bought my home, they did ask about it and I explained what happened and that was that last of it. |
|
mphsblue
|
From a credit standpoint, there is NO reason to pay if they do not agree, in writing, to remove the item. It will not help your score to pay them. You can try to dispute the items with the credit bureaus. When they are over 2 years old, many times the creditor has shredded the source documentation that the FCRA requires them to have to verify a debt. And anyone that tells you that you can't dispute items that are really yours is either lying or has no idea what they are talking about.
As far as how bad it's hurting you, my guess is not that much. The scoring mechanisms are set up on a weighted scale to give newer items more impact on credit score.
Good luck! |
|
itsjustme
 |
Medical bills/hospital bills are the ruination of many many peoples credit! |
|
tampabaycreditdoctor
|
Who refused, the collection agency or the original creditor? If you were dealing with the collection agency, they don't have the power to remove them anyway. I would suggest you go to the doctor or hospital direct and pay. That way they will get full payment, I would ask at that time if they would delete for you. As far as the refi goes, entirely up to underwriting. Your collections may not even be an issue. |
|
bryan l
|
Best to pay them now and demand that they remove this from your credit report. after the discussion send them this rebuttal letter. 145 dollar looks just as bad as a 5k balance. Dear Creditor,
Re: account no.
This is to confirm the settlement offer agreed upon by me and your customer service representative <name>, <phone no.> on <date.>
I really appreciate that your company is willing to work with me in settling this debt.
The amount we agreed to settle this debt in full is $_____. However, any references to late payment or charge offs on this account MUST be removed from my credit file.
If the above terms are acceptable to your company, please sign the attached letter of agreement and return the copy to me. Only upon the receipt of the ?signed agreement?, I will send you a money order in the amount stated above.
Yours truly,
Your Signature
Your Name
Encl: <list of attachments> |
|
adp_14
 |
If those are the only blemishes on your report, it will probably not preclude you from getting a mortgage. The longer ago they are, the less they will effect your score. It all depends on your overall credit picture. If you consistently miss payments on other trade lines, they will be part of a larger picture that will hurt. If everything else is always paid on time, I wouldn't worry about it too much. Worst case, the lender may ask you pay them out of the proceeds of your loan, but even that may not be necessary. |
|
Landlord
 |
I cna't believe you would risk your credit to steal $145!
They will still be there in 7 years. Having them there now as paid/closed is a whole lot better then in collections. |
|
src50
|
You're willing to screw up your credit over $145 in medical bills? |
|
?
|
dude, pay the money. you owe it you pay it, it's what society is based on. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
9 | 33 minutes(s) ago
| | | |
9 | 48 minutes(s) ago
| | | |
9 | 1 hour(s) ago
| | | |
9 | 3 hour(s) ago
| | | |
9 | 4 hour(s) ago
| | | |
8 | 5 hour(s) ago
| | | |
8 | 10 hour(s) ago
| | | |
9 | 1 day(s) ago
| | | |
8 | 3 day(s) ago
| | | |
8 | 1 week(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
