 How to shop for mortgages without dings on my credit? |
I want to shop for mortgages for a new house without them needing to run my credit every time since having my credit run negatively impacts my credit (why is that anyway?).
How should I go ... |
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 How you can u fix ur credit? |
| would like to buy a house with my ... |
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 How do you get good credit? |
i wanna know
does it work on how many stuff you buy and how quick you pay it ... |
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 I'm 21 and looking for car loan options...? |
| Does anyone have any advice for me? I'm 21 years old and need to purchase a new car. The only way I can do this is to take out a car loan. But I'm not completely sure where to begin.... |
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 I need $10,000 is there anyone that can help me? |
| There have been agency in europe trying to scam me. Is there someone who can give me a loan. If there is someone for europe who is not trying to scam me contact me. Also for the agency in europe. I ... |
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 How to get a creditor to stop posting on your credit after 10 years? |
| i had given my truck back to the bank march of 98 couple of months ago i had all 3 credit reports take it off but noe they have sent it to another collection aggency. i paid 20k for the truck in 97 ... |
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 Can my wifes creditors make me responsible for her debts and take money from my house in my name only? |
| We both owe money, but my wife has no job due to long term ill health and is not on my mortgage. She has never financially contributed. I use a debt management company and wondered if her creditors ... |
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 Credit cards? |
what is the best type of credit card to get in your opinion? one with a low interest rate and no annual fees?
Thank you!... |
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 If I could, what would be best to pay of first: Student Loans or Credit cards? |
| I owe about $10k in credit cards and about $50k in student loans. I feel I should ditch the credit card debt first since I can claim my studen loan interest on my taxes. What do you think?... |
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 What's the best way to find a new credit card? |
| We currently have one credit card, but the interest rate is ridiculous. I want to transfer the balance to a card with a lower interest rate. What's the best way to find a new card with lower ... |
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 How do credit cards work? |
| Do you not get charged finance charges if you pay the minimum monthly payment or do you have to pay it off fully every month?... |
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 Do medical bills stay on your credit if you do not pay them? |
Additional Details
does it effect your credit or just stay on your ... |
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 Can I withdraw all money from credit card ? |
I would like to withdraw all money from my credit card, because i have to pay for something, but they do not accept debit/credit cards.
I don't mind to pay some charges/interests. I want to ... |
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 I have multiple accounts in collections that I'm paying on monthly.? |
| How long would it take if I start to double up on my payments for my credit score to rise?... |
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 Can a hospital bill ruin my credit If i dont pay it in full? |
| I don't have insurance, and I got a bill for $600 and then another for $200. I dont have that kind of money, I sent in $50. and when I get paid next I plan to send more. But will it be bad ... |
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 How do begin credit when you've never had credit before? |
| I mean to apply for a credit card you have to have previous credit...but if you've never had previous credit..how do u apply for a credit card and actually get one?... |
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Eric S | I owe $700 to American Express, but I think the account has been sold to a debt collector-who do I pay? |
Nationwide Credit wants the same amount, they are representing them, I think-I can still access my American Express account online-who do I pay to resolve this matter? Would it make sense to just pay American Express directly? |
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David K (The Real One!)
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Since I work for American Express customer service, allow me to answer: if you called in to customer service, my response would be "unfortunately sir, American Express is no longer handling your account and therefore please call the collection agency @ ..." and then proceed to give you the phone number. Other responders have been correct - pay the collection agency.
The other benefit of doing so, is that American Express is a pain in the butt if you can only pay your balance partially - they (we) will charge interest until payment is received in full. The Collection Agency, on the other hand, may be willing to negotiate and give you a break for some of the debt. Give them a call and check - there is no harm in it - the worst they can say is "no" and you are no worse off. |
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deenbmore
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When the original creditor has sent your account to a collection agency .
Its always best to pay the collection agency . ( unless there is serious diff in the amount owed ) 99% of the time the creditor has leased the accont to them for collection .
So
You will want to get the rep/agent you have spoken with ,the name of the creditor they are collecting for , the date the account was transfered to them and a confirmation number if possible.
Then after its paid contact the original creditor 2-3 weeks later to confirm account satisfied and pulled back from the agency .
The danger in paying the original creditor is the collection agency will may not be notified for weeks months that they have payment - results in collection letters phone calls and possible reporting to Credit Bureau |
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kinghoodia
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About 10 yrs ago I had a AMEX Platinum Business Card and ran up a balance of $4,000 and was unable to pay it off. The card was canceled and it went to collections but has been lost in time.
I would like to pay it off and reestablish with AMEX but when I called AMEX they told me I needed to talk to a collections agency.
If I pay off the old collections account can I get back on with AMEX or am I blacklisted for life? |
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curmudgeon
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Call American Express. |
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queenofkings2525
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the collection agency |
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Lt. Dan
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If they've already put your account into collections, I would pay the debt collection agency. Why beat around the bush, just take care of it and preserve what you can for your credit rating.
American Express may very well likely tell you they are no longer responsible, since they sold your debt to a collection agency. |
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*****
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Call Amer. Exp. and see what they say. |
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Jonas with a Z
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To ensure that the matter is handled properly, pay the agency. They will close the account so that nothing negative will happen(credit being affected, getting sued, etc.) also the agency knows who to notify at Amex to have this cleared up. Deal with the agency. |
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justingary845
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I just had this same problem I owed Washington Mutual $800 dollars and when I tried to pay ti on the web it said that I had to call them. Well i called and paid it off threw them evven after they had given it it the collection agency. I recently have been getting calls from the collection agency trying to get money from me and when I told them I had already paid it off the told me that I had to send in my settlement statement wich I did not have. So I called wamu and they could not help me either because I no longer had an account with them. I called the collection company back and let them know what wamu had said and they cleared it up for me. So I am ok now. You can go either way with this but I like to pay it directly to the credit card company that way I know that they get it and it is cleared from your credit faster.
Cristy |
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jackson
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First of all do you have all of the money, how long has it been and is the account absolutly closed?
Number one is CALL amex directly. Often they have no sold the debt but are only outsourcing collections. The collections people generally know nothing and want the whole amount. Either way AMEX would rather you just pay them and they might reopen your account. If you don't have it all they will work with you. And even if you do it will look better on your credit report that you paid the issuer, not the collections people.
Make sure that whoever you pay get the case number and the name of the person who handled your stuff. That way if you have issues later or with your credit report you can fix it later. But above all just call AMEX. |
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