 2 weeks late on a payday loan and they said they are contacting my payroll dept? |
| Hi, 2 weeks late on a payday loan, they told me they are now contacting my payroll dept, can they do this, I did sign a paper when I got the loan that they can garnish my wages, can they?... |
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| I am a 31yr old married man with a 22 month old little girl. I am the sole provider for my home. I owe over 20,000 dollars in credit card bills. Should I file for a bankruptcy? I make enough ... |
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| We sent them a bag with 16.9 grams of broken gold jewelry and they say they never got it. I find that hard to believe since we took the package into post office ourselves. Just wondering if that ... |
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| My family are fine with it - time of year etc, will be sorted next week. But hubbies family snobs. Need a whopper of excuse for bout 1 week!?... |
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 Is having £1000 on a credit card considered as being in debt? |
| Even if I am paying atleast £50 a month to clear it and its interest free for a year.... |
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| This guy is a freakin piece of sh't. Calls me up everyday and tells me to pay my discover card bill from 2000. the balance is now 6k and i have to make payment arangements right now. I ... |
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| My bank turned me down because I am still in high school, and all the other places turned me down because I have built no credit. I just applied onling at Mastercard, and will find out soon, but I ... |
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| I'm using my mother's credit card for something. Should I sign my name? Or just try to sign her signature?... |
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At my previous address I had a credit card which I maxed out. Times were quite hard (I was living alone as a student) and I was only 18.
I moved house over two years ago now and have ... |
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| I just shopped from Moore super marker with my debit card. There was some signal problem with the swiping machine and my card was swiped more than once, after a few attempts I got my slip and signed ... |
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 When a bankruptsy goes bad? |
when it gets dismissed what happens there after? Please response if you ever had it happen to you ...and what is put on your credit report?
Additional Details
i'm in ... |
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 How do I respond in a letter to the lawyers on the discovery, that they sent me, on my credit card debt? |
| I have a civil lawsuit against me on credit card debt. I've ask them to provide proof on debt. (Compel Discovery). They sent several copies on statements from my old credit card. Now they want ... |
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| I'm working on downsizing my debt, and I've done well in my opinion over the last 8 months or so. Several of my credit cards (I know I shouldn't even have this many open) have zero ... |
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| after I graudated, I could not find a job for months and could not pay the credit card debt, which was 9800(includig late payment and interest). It was handed over the collector, they offered me to ... |
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 Is bankruptcy right for me? |
I am really considering bankruptcy but since it is a major decision, I would really appreciate some feedback from people. Heres my situation:
1. I am 22 years old (23 in 10 days, 33 years ... |
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 Debt collector refuses to send me a receipt.? |
| I recently paid a debt in full but the debt collector says that they will not fax a receipt to me. They say the only way is for a bank or someone looking into my credit to fax them a inquary request ... |
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Black Panther | They fixed my credit for $600!!? |
I had 9 collection accounts,now deleted and late payments on 2 credit cards that are also deleted.
The credit repair agency said that it is perfectly legal???
Is it legal? What do you think?
Additional Details
How did they do it?
I even got letters from the credit bureaus stating that the items are deleted... |
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bobbarr4president
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It is perfectly legal. The Fair Credit Reporting Act lists over 300 laws that are the arsenal of credit repair companies.
In the course of researching this for myself, I learned that not only are credit repair companies legal but they are necessary. Since there is no government agency that oversees the credit bureaus and makes sure they obey the laws, we need the credit repair companies to keep the bureaus in check.
While I used another company and it cost a bit more, I am very happy with the service they provided me. The thing I like most about them, though, is that they stay with you for a total of 18 months. That way, if the information does somehow return to your reports (which, btw, is illegal for the credit bureaus to allow) they are still with you to make sure the information is removed again, and they don't charge a penny more.
But what it comes down to in the case of the company you are using is this: they were able to find a way to make the reported information violate the FCRA. Legally, since they went this route and not the standard dispute route, the information they have removed cannot be put back on your report again. Legally. As we all know, the credit bureaus believe they are above the law, so they are going to do what they want.
I am glad you found a company that does good work for you. |
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disluvs2u
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I dunno..but I would like the same service:) |
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Reality Check
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You asked about this 2 weeks ago....how your friend knew this guy who could take off info for $100 per item, and asking if you thought it was legal then. All of the answers said that it IS NOT legal, and that you will more than likely have the items re-appear on your report in a short period of time.
So basically, you got screwed for $600, attempted to manipulate the system, and had someone represent themselves as you or your agent, in falsifying accurate information on your credit profile.
So why ask the same questions again....as if you're boasting about it here? You will be back in a month asking "WHY DID THEY ADD MY DELETED ITEMS BACK ON MY REPORT". |
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redenz40
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Thats great but the creditor can readd the collection account to your report. When the creditor sends an updated report to the burearu it just might return. I see this happen all the time when people use these credit repair places. |
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Inspector Detector
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The only things that you can remove from your credit report are inaccuracies. If something is not right, you have the right to challenge it by writing to that credit bureau that reported it and say the item is inaccurately reported. The Federal Fair Credit Reporting Act gives them 30 days to fix the item or remove the entry. |
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CrackBerry Addict
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The thing with having valid debts removed is that they may come back at a later time. These credit "repair" agencies who tout that they can remove valid derogatory information aren't legal. They use tactics that are either illegal, or only quick fixes. Those same debts that were removed might be re-added to your account later.
Per the Federal Trade Commission no credit repair company or consumer has the right to remove accurate, current information from the credit report. If the accounts stay off, then that's great. But you may have paid $600 for a temporary fix. |
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Dominus
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Do you have family in the elite? |
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Lys C
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It can be done legally and you can do it yourself for free. You just need to spend the time and effort doing the research and getting to know your rights. There are many violations that can occur in the way an item is reported. If you dispute an item the reporting agency must verify - if it is a collection agency on a paid debt they often won't waste their time.... no response from them = delete for you.
EDIT: No one is saying the debts weren't valid that were removed what we are saying is that the tradeline was reporting something inaccurate in their information. It can be as small as the date opened, or a CA reporting as a factoring company - if it is disputed and they can't verify timely they MUST delete the entry. However, as another poster said this does not mean they can't re-insert the item with corrected information at a later date. |
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Reaper
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I think that it is legal because if you read the FCRA you'll notice that there are about 300 laws of the FCRA and you can manipulate the laws to work for you. It is illegal for anyone to report delinquencies on your credit report ..most people dont know this! |
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