 Does Anyone Know anyone who can repoair my credit? |
Does anyone know of any professionals who can assist me with repairing my credit file?
Additional Details
I live in Australia, so need advice relevant for here. I cant get a mobil phone ... |
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 I received a credit card in the mail at age 17 and I used it. Now, I have to go to court 8 years later, help! |
| I received a letter at my mom's house saying that I have to appear in court next week for an old credit card debt from Filene's or I will be arrested because there is now a warrent for my ... |
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 Credit problem? |
| my boy freind got a contract mobile phone and didnt pay for it so i cant get any credit to my house but i want to buy it can you ... |
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 Which UK credit card is best(please see details)? |
| My partner and I have been looking at buying a house but we can't get a large enough mortgage. It seems the only way to get a higher one is to get a higher credit score. I have never been in ... |
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 How can i make a complaint about my credit card company? |
On holiday in the USA i got billed by my credit card company for someone elses room bill. I payed170USD cash towards the bill.
This was not taken off the billed amount. The bill given to me at ... |
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 What is the best credit card for college students? |
| Can some one also explain what APR is and how that goes along with monthly payments? Are there contract? WHat happens if you break the contract?... |
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 What is the best credit card for me? |
| I'm a student.. so I cant have a big spending limit... and I plan to make payments on it instead of alll at once.... |
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 Would I be able to get a $ 10,000 loan using a credit card? |
| The amount would be to purchase a small home that needs some repairs. This is included in the amount that I would borrow. How much time would I have to repay this $10,000 loan off of a credit card? H... |
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 Is 15 too young to have a credit card? |
| Out of the blue the other day my mom handed me a credit card with my name on it. I had to sign the back and everything. It was soo random. It's cute though it has Tinkerbell on it. Anyway, why ... |
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 How can I Find out if Someone else used MY IDENTITY to get a CREDIT CARD? |
| I SUSPECT THE DEADBEAT MANAGER OF MY APARTMENT BUILDING MY HAVE USED MY NAME, SS NUMBER AND E.T.C INFO TO GET A CREDIT CARD; HOW CAN I CHECK?... |
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 Which should I pay off first? |
The credit card with the LOWEST balance or the credit card with the HIGHEST interest rate?
I always thought you should go after the one with the highest interest rate first so that you don&... |
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koda | Should I pay on and old debt even though on my report? |
I have two things on my credit report (negative) under the name with one company not scheduled to come off untill 2012. It has since been sold to another collection agency, do I pay this agency or no since it is already on my report with a diff company? So confused.... |
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Stephanie
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Call consumer credit counselors for this information. Its free. |
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David S
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Pay off the current creditor. Make it your business to do the honorable, ethical thing and pay off the debt. Not only will it help your credit rating, but you'll feel better about yourself, unless you're just a deadbeat who doesn't care about who you rip off. |
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Portia P
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Girlfriend, this is a very difficult place. I too have found myself in the same situation.
I was laid off in 2002 and had to temp for 22 months.
In essence, I lost $40k for each year that I was laid off.
My almost perfect credit went down the tubes. once I become gainfuly employed, I contacted all 3 credit reporting agencies, reviewed my credit reports and make a number of payment arrangements until the debts were paid. The majority of them were paid/settled. This language is noted on a few of the paid accounts. Since they were more than 2 years old, my credit rating went down even lower.
Having said all of that, see if you can have your credit run by a Mortgage Broker. That is what I did. The mortgage broker had a MAP (Mortgage Action Plan). The MAP will tell you what to pay and what not to pay as well as how many points you would gain IF you did pay the items that should be paid.
The worst that could happen is that you will have an inquiry on your report, but at least you will have a direction to follow.
That is what I am doing and it is proving to be favorable.
ALSO - as someone else mentioned, you can keep disputing with Equifax and Trans Union - most widely used agencies.
I have had a little succes in having a judgment removed that way. Especially since it was my ex-husband's account.
Try something. A little effort is better than doing nothing.
Good Luck to You. |
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BELLE
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You need to write all 3 credit agencies stating that you have a duplicate write off and need it removed
you do not want it on there twice
as far as finding who to pay it to, I would just be careful you pay it to who holds the debt at this time and after payment you need to recheck your report and make sure it is updated showing you paid it off |
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bdancer222
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Send a certified, return receipt letter to the new collection agency requesting validation of the debt to include proof they have the right to collect on this debt.
Once they validate, negotiate a settlement via letter -- don't talk to them on the phone, always get a papertrail. You may be able to get a delete for delete agreement. If this is a single entry item like cell phone, medical or utility bill, getting the item deleted will help your score. If it's a recurring entry like a credit card, the collection agency can only remove their entry. The original creditor's charge off will remain on your file.
The older the debt, the more likely you can settle for less. If the debt is more than 3 years old, offer 25%; 2 or 3 years old, offer 50%; less than 2 years old, offer 75%. Lump sum gets the best deals. Payment plans have to be short.
Get any settlement agreement in writing and keep it, along with your payment proof, forever. Do not allow the collection agency to have direct access to your bank account. |
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Dont_taze_me_bro
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pay all debts large and small |
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scoop
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Sometimes when you pay off old debt even on really old collection debt it comes off your report. It's a good thing to get those off your report, so I'd say yes. I paid an old cell phone bill and it came off the negative colum for me. |
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Car buyer
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You should dispute the duplicate entry on your credit report with all three credit bureaus. Even though it is scheduled to come off in 2012 the company can reopen the cliam on or before the expiration date in 2012 and it shall remain for another seven years so pay it if you owe it but only pay it once! |
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Irish
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Some places you can settle for less than you owe. You need to make sure you get it in writing before you give them any money. |
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male20easton
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THat isn't very detailed... either way, when it comes to your finanaces, yahoo answers isn't really the place you should be looking for the answer. I would contact the most CURRENT agency and find out from them what to do and WHY it is on your report twice. |
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