 Bad credit question? |
| So I used to have really bad credit. But now I'm making really good money. Will I still always have bad credit?... |
|
 Credit Cards? |
| Does anyone know of a place where I can get a credit card, guaranteed? I'm only 18 so I have very little credit, and they turn me down because of that. But you have to start somewhere, right?... |
|
 What are some of the best ways to build good credit w/o a credit card? |
| I want to be able to buy a home soon but I don't think I have any credit history and my husband doesn't have the best credit. I would real working answer please, and thank you.... |
|
 Last time i paid my credit cards was in 2005, they were charged off, now in collections, can I still be sued? |
| I checked my credit report recently, all the credit card companies have charged them off as bad debt. Can the collection agencies acutally take me to court to force a judgement? Can my wages be ... |
|
 How can I improve my credit so that I can get approved for 30k unsecured loan or line of credit? |
| My income is 60K/yr, FICO score 675, 50K student loan in good standing, visa credit card with 3000 limit 3 years old always paid in full on time, 2 old collections reading paid in full on my c. ... |
|
 Credit application Fraud? |
| A friend of mine cannot get credit. They have asked me if I would mind putting in a loan application for £400 so they can buy a washer/dryer. He presented me with a completed loan application in my ... |
|
 How to check if your parents have searched your credit report using your ss#? |
| My girlfriends parents are asking her weird questions about things that she has purchased on credit without even actually knowing that she purchased them. She thinks as do I that they are checking ... |
|
 Is being 10k in credit card debt is bad. Please no advertisements.? |
| 1st thing i want to make clear is I dont want to be poked fun of or badgered. I posted this question a week ago and found nothing but negitive feedback and advertisements for bankrupcies and credit ... |
|
 Ok credit but can't get a card? |
| My credit score is in the mid-600s (I forget what it is exactly) but I can't get a card because the balance on the card that I have is too close to the limit ($800 limit). I have been trying to ... |
|
 Is there a free credit report site with no strings attached ? |
| Everytime I try to go to a "free credit report"website,it is never free.There is always a "catch".Are there any credit report sites that are absolutely free?... |
|
 Does any one know anything about dave james loan lending firm from nigeria? |
| they offered to lend me money but i have to pay a transfer fee has any one used the.... |
|
 Does your credit rating go up if you buy a car with cash? |
| I want to buy a new car because I want to boost up my credit rating so I can get a house later in life. Now I have enough money to purchase a decent car with cash. Will this affect my credit rating? M... |
|
 Pay off debt all at once or little by little? |
| If I pay off my debt with a loan and pay under $100 a month, is that better than not taking out a loan and paying about the same per month and not being done paying it all off till about a year from ... |
|
 How can I accept credit card payment from someone? |
| I have some things for sale and the guy wanting to buy them lives 500 miles away and wants to pay by credit card. Is there any way to receive his payment?... |
|
 Getting my first credit card? |
| So im looking at getting my first credit card and its through CHASE. They sent me a letter asking me to send a copy of my Social Security Card & Drivers License....is this normal? If so how long ... |
|
 Too much credit debt ... Should I use a credit repair service? |
| My CC debt is very high (>$30K), and the payments are getting too high. I have a great credit rating, but I can't keep up with high payments for the next 20 yrs. Should I use a credit ... |
|
| What if I got a credit card over 1 year ago, have since moved, and don't know where the card is? |
| and don't know how to contact them for a change of address. I already checked my credit report, but don't know how to contact them. will the card eventually expire? What if they send the ... |
|
 How to build credit? multiple cards? |
| Does having multiple credit cards help get you more credit? I have a college visa card, and I use it very often, but a friend told me I should use multiple credit cards to build more credit.... |
|
|  |
cor2madera | I paid off unpaid balance on my credit report a year back, but my credit report is not updated, what do i do? |
I had an unpaid balance on an account which i paid in full, and I have a letter from the creditor (dated a year back) indicating that the account has a zero balance. However, my credit report still shows that account having an unpaid balance.
a) How do i get incorrect information off my credit record.
b) Does a creditor have a legal responsibility to update the credit record with a zero balance if they had earlier reported an unpaid balance ? If so, does the law require the creditor to do this within a certain time period?
b) What are my rights with respect to the creditor in this case? |
 |
 
Studly
 |
First, let me explain how the "game" is played.
Credit reporting agencies can not change or delete any information on your credit history unless 1) the creditor authorizes it....2) the creditor fails to respond back to a verification investigation from the credit bureau.
There, the responsibility of correcting your credit report falls on the creditor.
To get this corrected, you need to follow a very specific procedure, as outlined in the Fair Credit Reporting Act.
1) Send a letter to each of the reporting companies that are listing this debt, and dispute the listing. Include a copy of the pay-off letter from the creditor. Be sure to send this by certified mail/return receit.
2) Send a letter to the creditor demanding that your record be updated within 30 days, or they will be in violation of the FCRA.
If nothing happens within 30 days, send another dispute letter to the credit bureau, along with a copy of the letter you sent to the creditor.
If it's still not changed, you can now sue the creditor for posting incorrect information to your credit report. It's a simple small claims suit and you will win $1000 with no problems.
But you gotta know how the game is played...so read the links below. |
|
cyndi_035
 |
contact the credit card company and have them correct it. if they won't u can dispute it with each credit company. |
|
rach
|
call the creditors you pay shw them the proof you have because they are masting up your crdit they didn't claim that you pay they are ******* you up over. i did the same thing i paid my bad credit but it did show in my credit report about 2 weeks but in your case is like you never paid anything so you better do something about this fast . or get a lawyer to get this straight out |
|
tonalc1
|
Contact the three credit reporting companies with your correction. |
|
bunny942001
|
You need to contact the main credit agencies. When you speak with them, get their address details and which department you should send a copy of your statement which states you have paid the debt.
I believe credit companies are required to update your credit history every month, so a year with no update is unacceptable. They do this at a certain date each month, so if you contact them after the date that they update records, you may not see a change until the following month. Make sure you ask each company to send you a confirmation letter stating it's been corrected otherwise, if you apply for a loan or any type of credit, it will slow the process down. |
|
Hoa N
 |
With the last balance statement, make the copy of it. Send them with correct information with certified mail( importtant) that is your proof.You should be able to request a change to your credit report
The credit beaurau requires by law having 30 days to answer your request to make amend to your credit report.If they do not answer you in 30 days. You win your case. |
|
krishnamoorthynagarajan
|
Yes it is the responsibility of the credito to update his account.
You take up with them once again. If they do not respond issue a legal notice with all the documentary proof you.
My Experience:
I had closed a credit card account. The bank owas issuing statement showing a negative balance, which was wrong. I took up with them to repay. The had not responded but pestering me with statements. I ssueda lega notice asking them to pay the credit available in my card together with interest and incidentals. That was the end. |
|
shhbanvar
|
Contact them, and tell them that your information needs to be updated, and they will do it.
--------------------------------------...
http://www.bestcreditrates.net |
|
dt
|
Contact the 3 main credit bureaus and tell them whats what. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
9 | 16 minutes(s) ago
| | | |
9 | 56 minutes(s) ago
| | | |
9 | 58 minutes(s) ago
| | | |
9 | 1 hour(s) ago
| | | |
9 | 6 hour(s) ago
| | | |
8 | 7 hour(s) ago
| | | |
9 | 10 hour(s) ago
| | | |
9 | 1 day(s) ago
| | | |
9 | 3 day(s) ago
| | | |
9 | 1 week(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
