 how long do "potentially negative" items stay on your credit? Will they ever go away,...? |
...and do you still owe the money?
On your credit report, how long do items stay on your report? Will your collection amount go away after a certain amount of time or will I live with it for ever.... |
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 Paypal Charge on credit card? |
| When I am verifying my credit card with paypal, does it charge the credit card?... |
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 Credit Card Help... I'm Sure This Has Been Asked Before? |
I'm 18 a sophomore in college and am thinking about getting a credit card.
My parent's are in debt pretty bad and have been victims of the whole mortgage/foreclosure mess thing. We ... |
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 Paying off credit cards? |
| So i have 2 credit cards with about the same interest rate one for 1800 and the other for 800. Should i pay off the smaller one or send half to the other ... |
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 With fair credit and an approval for a Discover card? |
| I have fair credit (I would like to think I do) what chance do I have to get approved for one? not a student ... |
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 Can someone help me with my math ISU about credit cards? |
I have an ISU in math and am almost finished except for this one question:
Explain why you think that credit cars can sometimes lead people to get into financial difficulties.
I keep ... |
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 Im buying a 2005 car, but I have zero credit? |
| can I possibly still get a loan from the dealer? or a credit union?... |
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 Which is the best way to improve my credit score? |
| My current credit score is 594. I have one open account on my report, which is a student loan and I have been on time with the payments for over two years. I have 10 closed accounts on my report. T... |
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 User Identification Number. what is it? |
| hlpzzzzz paypal asks me for my User Identification Number..... |
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 I cashed check on bank it was drawn on....? |
...Turned out to be a fraud. Now bank is asking for money back.Can they do this?
I cashed a check that was issued to me at the bank it was drawn on. Check turned out to be fraudulent. Now the ... |
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 unconfirmed credit card on paypal? |
| can you still buy things off ebay with a unconfirmed credit card? i mean i try to "link it" but every time i click on it, it says you have requested an expired page or something like that.... |
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 free online bank account help? |
| Hi i am selling something online but i need to make a free oline bank to put the money in so i don't get scammed and some people won't send to western union. would you please help ... |
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 Can a store charge my credit card without my signature if they claim they undercharged me? |
| I bought a necklace for $56 from a store. Coincidentally I ended up losing my credit card that day so I called to cancel. The store called me to tell me that they made a mistake and I need to give ... |
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 How do platinum cards work? |
| Is there any kind of pros and cons about platinum cards I should know about? How do they work EXACTLY? What are the benefits and not the benefits?... |
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 I need a personal loan but have no credit? |
| I need a loan of like $1,500. The only problem is I'm only 20 and have no credit. I need this loan for a car. I make pretty good money but I do have other things to pay like rent. I'm ... |
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 What do I need to get a good morgage credit? |
| I am self employ, who also work part time. I do want some credit for my first home morgage. I also think I have a good credit score but not too sure. What will I need in place to secure this credit. T... |
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 Can I buy stuff on the internet with a gift card instead of a credit card? |
| I have a gift card for walmart and i wanna buy a mic off it and i am just wondering if you can buy stuff off the internet with a gift ... |
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 Credit Score Changes for 10 points, Alex? |
I have 3 quick questions regarding the information used to calculate credit scores:
1. I'm a college student who just applied for my first 2 credit cards a few months ago. Roughly how ... |
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HIGH_VOLTAGE | Mistake in my credit report? easy 10 points right away? |
I was studying in Michigan on 2006 before I left to my country. During that time I had an account with TCF bank. When I left, I did not close the account as I was getting monthly stipend for three months after graduation from my government (I had a full scholarship).
One day when I was in my country, I was checking my account's statement online and there was a charge of 322.1$. This charge did not go through at the time of purchase and I had the receipt indicating , "transaction failed", which I faxed to the bank. And also, called customer service and was promised that they will credit back that amount to my account within 48 - 72 hours. However, now I am back to the USA for grad. studies and It showed up in my credit report as a negative item (charged off). Also, the amount of the charge in my credit report is 577$ !!!!!!
What can I do guys to resolve that problem without paying what i did not use? I still have all documents that I faxed including the "failed transaction receipt".
Any help will be greatly appreciated.
Additional Details
THANK YOU SO MUCH pnk517 FOR THE GREAT EXPLANATION.
I contacted the bank on Mar 07, 2010 and they said they are gonna mail some documents and they did not. Called them back two weeks ago, and they asked me to contact the collector agency. They are not even willing to negotiate it.
Could you please explain how to contact the credit agencies? |
 |
 
kate g
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file a dispute with the credit bureau. since there are 3 you need to file 3 disputes. get free copy of your report (annualcreditreport.com) there is a report number at the top, phone each bureau and follow the prompts for a dispute (its fairly easy). They will note on the report that the item is being disputed then they will communicate to the companies to find out if it is in fact true or not. It could have been sent to the bureaus before your phone call to resolve it and the bureau was never made aware it was resolve in which case the bureau will follow the dispute and delete it. |
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pnk517
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If the problem was truly an error on the banks end, then contact their customer service, and ask to speak to a manager. Explain the situation to them, and explain that they need to contact the credit agency, and have this item "removed". This is different from just reporting it as taken care of.
Should they be unable, or just unwilling to help, then contact each of the three credit bureaus, and "challenge" the entry. If the bank is unable to provide significant documentation, then the item will be removed.
This will take time however, two to three months is the norm for getting this taken care.
Finally, don't give anyone money to take care of this!! You can do it, and not pay a dime. |
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