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tommygirl69 | My credit is fair 625+, Now I have a problem..please advise.? |
I screwed a cell phone company for $646. What effect will this have on my credit report, Is it real bad? Cant be as bad as a credit card charge off. |
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White Collar Ruckus !
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Well, if you never pay it, then it will become a charge off, just like the credit card companies. The effect on your credit report depends on the severity of the delinquency. 30 days is bad, 60 is worse, and so on, and eventually it will become a charge off and be scored just like every other charge off.
Pay the $646 now. You can't afford to wait the 7+ years for it to fall off.
The White Collar Ruckus
http://whitecollarruckus.libsyn.com |
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Can be bad if put on your credit report. I would call them and set up a small pmt plan to pay it off so it doesnt affect your score. It can stay on your report for 7 yrs |
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Lili
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well if they report you, which I am sure they will, it has the same exact effect. how exactly do you screw a cell phone company for $646? did you simply not pay? they have a right to report you after 90 days of being past due (# of days depends on policy). |
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Thom
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BAD! |
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fem40_98
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you will have a problem if they send it to collections or court for garnishment. That will bring your score way down. |
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blondie27
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Yes it can because it can haunt you in the long run if you ever want to get a house or a car from a bank that deals with the cell phone company and because it stays on your permanent record for about 10 years or more. |
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Manny
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625 isn't all that great.
It doesn't matter if it is a credit card or a phone, when you do not pay a company that you owe, it reflects HIGHLY negatively on your report.
My guess is that you have shallow credit, meaning that you don't have a lot of credit history. Now, let me draw a little analagy for you. If you have 20 quizes in a semester in class, you can afford to bomb one or two and still be OK, right? Now, what if you have 4 quizes, and bomb one of those?
Get my point? You need to do whatever you can do to fix this, and that means paying the cell phone company. Otherwise, your marginal 625 will drop to a pretty bad 550 or worse. |
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Crazy girl
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It is possible that the account will go to collections. |
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The Rock
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Just pay the bill or suffer for the next 7 years without buying a thing on credit. |
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kay S
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Call the cell phone company and make payment arrangements as soon as you can. Pay them what you can each month and stay current. This may keep them from sending you to collections or charging the account off.
Charge offs are bad bad bad regardless of what they are for. They reflect negatively on you every month on your credit report. That 625 will be a 400 before you know it. The last thing you want in this day and age is a bad credit score. You will pay through your nose if anyone ever gives you credit again. |
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