 How badly will a collection agency going after $28 hurt my credit? |
| I recieved a letter saying I owe the cable company $28 for failure to return equipment. I returned the equipment, but there was a discrepancy they said they'd take care of for me. I can't ... |
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 How can I build my credit score fast? |
| My credit score is 525. I know very poor! I owe $1500 in medical bills and $600 in other bills( con ed, cable and verizon) these are all in collections. I also have a car loan in the balance of $23,00... |
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 In debt up to my elbows and need help i owe 4 credcards 15,000 how should i go about my way is not working? |
| im in debt up to my elbows and need help i owe 4 credit cards 15,000 how should i go about my way is not working and im so stressed out it consulidating a good idea or not im seriously thinking about ... |
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 I am thinking of letting me car be reposessed. How much will it hurt my credit? |
| I cant afford my monthly payment and am behind $1600.00. My dealership says they can get me a car loan on a less expensive used car with a co-signer and then to have my current vehicle repossessed. T... |
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 Money?????? |
| What is the fastest way to earn some ... |
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 Has anyone had credit repair done for bad credit? Only true personal experiences please.? |
I need credit repair and advice but im skeptical of scams out there. Please let me know of any credit counseling in Houston.
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 Where can find a website where I apply for a credit card for people w/bad credit? |
| Are there any other than tribute, salute,continial fin., orchard bank or first premier.... |
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 I am in debt and trying to get a loan for £7,500? |
I have got 5 credit cards all with high monthly payments I need one loan to pay off these debts and nobody will help.
I am a council tenant, self employed cash in hand with only commission ... |
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 BAD CREDIT after turning 18 i didnt make payments etc,now 20 i have paid everything in full is my credit good? |
| I got a credit card after turning 18 and i was doing good with the payments at first but being young and dumb i didnt pay after a while and had creditors started calling etc. now im 20 and i have ... |
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 If a lender has made an incorrect entry on my credit file can i insist they remove it? |
| I was charged incorrectly for a bill and i rang them to change it, they eventually did change it and i paid the correct amount in full but they made a mark on my credit file for the old incorrect ... |
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 Could I get a credit card? |
| I don't know much about credit cards other than the absolute basics. I'm 18, in full-time education and only work 1 day a week so I don't earn much. I'm very careful with my money.... |
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 Credit card worries.? |
| i left uk owing over 25,ooo! Two years ago. I want to come back home.I dont have money to pay cards,no savings,no job.But i no affraid to work.What is best plan of action? I dont want to be paying ... |
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 Do you pay a fee to activate your credit card? |
| I just wanted to know is it normal to have to pay a fee to activate a credit card? I was told if you have to pay its a scam. Thanks in adavance.... |
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| Credit Card courtesy check loophole? |
| I've got a credit card that sends me courtesy checks with 0% interest for a year. What's to stop me from writing a check out to myself and depositing it in my high interest savings account ... |
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| Creditors calling my house, my parents at work, and our cell phones at least 1 to 10 times a day..? |
| I am 25yo student, currently no job and living with my parents. I have accumulated a lot of debt and obviously have one creditor calling my cell, my parents home, their cell phones, and their jobs. T... |
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 Credit card debt...? |
| i have about 4-5 diff credit cards that are maxed out im about 7000 dollars in debt they keep callin me to pay it nd i keep tellin them ill make the minimum but i cant because i have to make the ... |
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smile182 | What happens with a closed account?? |
a couple of my credit card accounts became closed after i had trouble paying them and the balance got to high. since then i have paid them off. now what? do they just sit there and show up on my report forever, i know they make my credit look back.
Additional Details
i just want to re say...i've already paid them off...some people don't seem to want to read that part. |
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remember me?
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they make your credit look back? you mean bad?
Your credit will be worse by this for sure. someone will try and collect on this account. then when you don't pay them, it may get passed onto another agency that will also try and collect the $ from you. Eventually if you just never pay it, it will be considered a loss and uncollectable. All of this will show up on your credit, and will be visible to anyone who accesses your credit file for any reason.......not cool |
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CrackBerry Addict
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I believe correct, negative information will stay on your report for up to 7 years. The best that you can do is to make sure that the status of the account is correct (paid in full, closed, etc). After the seven-year period you can dispute the information and it may be removed. Not much else that you can (legally, ethically) do. |
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bdancer222
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The negatives will stay on your credit report for 7 years and 180 days from the date of delinquency. There is nothing you can do to hurry that up.
The older the negative, the less impact it has on your credit score and, of course, having them paid off is much better for your credit. |
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Pengy
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They will remain on your credit report for 7 years after the first missed payment, they will be marked as paid but that is it, and yes they make your report look bad. Yes it can be sold to a collection agency but legally they cannot put it back on your report, ask them 1 to prove that it is yours. Then if over 4-5 years old (depends on your state) they can ask for the money, actually take you to court, but if you can prove the statute of limitations has expired, the case will be dropped. |
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chocolatebabycakes
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Yes. they do close and you can not reopen them since you now have a negative mark on their records. You can rebuild your credit though by getting secrued cards. |
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bigmommy240
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get a credit report from all 3 agencies...check to see if there need to be any corrections made concerning your old cards. call the #'s provided and give them the correct info. |
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kimberly h
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on your credit report it will show paid in full but yes it will still hurt oyur credit most everything stays on your report for 7 years |
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wadacious
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You need to write letters to the three credit agencies. (TransUnion, Equifax and Experian) They will research your claim then remove them from your credit report. |
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Ro
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its closed. but you still owe $$$. it will be on your credit report for up to 7 years buddy. |
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thylawyer
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If they are being reported as paid, the effect on your credit score is a lot less. The slow/no pay will stay on your credit history for 7 years from the date of the last payment. Check your credit reports for free (if you don't want the credit score, which is different): www.annualcreditreport.com |
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iceburgsrv
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I think they delete it. If not, that is unusual. |
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Kellie T
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Contact your credit card company and tell them that this account has been paid in full and shouldn't be reported anymore. Sometimes it takes awhile to get stuff like that off - otherwise you can challenge your credit report with Equifax and they'll get it take off. |
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Zeus
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it will be on your credit report forever, just it will also show you did pay them eventualy, but doing good will make your report be better |
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