 Credit score? |
| has anyone used annualcreditreport.com before?... |
|
 People in Debt?????? |
| How are people getting $30,000+ in debt? How do you still have credit to qualify for credit cards and things that put you into debt? I have one credit card that I owed $1100 on and I can't ... |
|
 How can I stop my parents from pulling my credit report? |
| My parents are really nosey and I am well into my 20s and they have no business knowing my financial situation. Unforunately they have all my personal information - social sec #, maiden name (go ... |
|
 Can I get adverse credit info removed from my background if it was for someone who I cosigned for? |
| I co-signed to help a friend purchase a motorcycle. He is still paying it off but has made a few late payments (over 30 days) and this is displayed negatively on my credit report. Can I get these ... |
|
 I need help finding a credit card? |
so i need help finding a credit card with no crazy high intresest or fees i dont care about rewards just mostly the APR
anyone know of some good places to look please ... |
|
 How soon can my car be reposessed? |
| My payment was due on the 13th, but I haven't been able to make the payment due to a family emergency. I am planning on making the payment on October 1st, when I get my annuity money, but until ... |
|
 Trying to get a Credit Card with a 600 credit score? |
| My credit score isn't very high and i would like to inhance my score with a unsecured credit card, but i would like to know eactly what company to use because i dont want to apply for varies of ... |
|
 Will some one paypal me a few grand please ? |
Anyone here flush ? im nearly broke and could do with some cash. can anyone paypal me some money ?
Additional Details
I do have a job thanks. . . im still broke
please pay me some ... |
|
 How do you borrow money when your credit is really really bad and you do not own a home? |
| i dont make as much money as i used to i cant afford to make payments due to the amount of child support i pay which is never late but i am about to lose my ... |
|
 How Should I Pay Of This Debt? |
| I have 1 question. What is the difference between settling a debt for a settled amount(example: $4,000 debt settled for $1500) and paying the debt in full? What I mean is, which option will make your ... |
|
 My Experian Credit Score is 644, my Equifax is 617. Which one is right? |
| I am getting married soon. My fiance and I have about the same credit scores. Which one is right for mine? Also, will it be hard to get a loan for mortage with our credit scores ranging 600-660?... |
|
 Can my bank sue me for not paying back an Overdraft? |
Hi,
Basically in a short sharp nutshell my bank removed my £300.00 overdraft (as apparently it was ready for review - although I wasn't made aware of this until the kind lady on the phone ... |
|
|  |
davidsaradodd | What is the best way to deal with a collection agency on a debt aquired from citicard? |
This account had an original ballance of $4700 and has not been paid on for over 3 years. The agency wants $3800. Is this negotiable? By how much? |
 |
 
muncie birder
 |
I expect that it is negotiable. They probably purchased the debt for 10% to 20% of the original amount if they were smart. Take it from there. Paying what you finally negotiate will not do much for your credit however. But it will clear that amount from your debt owed. |
|
♥Tom♥
 |
You can always wait for them to take you to court and get a judgement against you for non-payment.. which will NEVER go away.. or you can at least TRY to pay off the debt that YOU acquired. |
|
tennessee
|
be careful....... talk with a credit repair lawyer or you can be in worst shape than before,,,,,,,,,,,,,,,,,,,,,,, |
|
luciousgreeneyedlady
 |
anything is negotiable. |
|
david w
 |
you have two choices, dont answer for seven years and your credit will zero out..................... or, pay them 5 to 10 dollars a month, than they can't say anything :)............. but if you havent paid, n your credit is already wrecked, DONT GIVE THEM ANYTHING, dont even answer............
If your credit is wrecked, you've gotta wait them out over that seven year period.
Best, David |
|
rallman@sbcglobal.net
|
Yes it is negotable, maybe 50% if you can convince them they will have a hard time collecting debt. Also check statute of limitations in your state. They very and if it is past that you may be able to negotiate for even a lot less or force them to sue which they will lose. some states the limitation is only three years to ten years, just depends where you live. Do not admitt you owe them anything or pay them one dime because the the statute of limitation will stare over. |
|
jackson
|
Usually 50% if you can start paying them something. Heres the funny thing......... if you start paying them after a few months they will offer to give you a new card as its all a racket. They prefer to get something than nothing and in the business model for credit companies they assume they will have a certain amount of non-collectable debt and still make a profit.
Don't deal with the collection people. They know nothing, have no information as far as the account and have only the aim to get paid a percentage of what they can extract from you.
Call the credit company. It will take lots of time and you will be told many things by workers who know nothing but if you keep at it you will eventually get somewhere.
Conversly though credit debt in america is supposed to drop after 3 years from your report. You just might want to apply for a card elsewhere, even at a high interest or a secured card and start over. If you have collection people calling you after 3 years the debt has been written off. Everytime you talk to these people who can do nothing you make it worse. You may legally say "do not call me" and they cannot after that. |
|
cinsingl83
 |
It sounds like they have already made a settlement offer. you can make a counteroffer but they are pretty much in control here. It's hard to say how far they will negotiate. Good luck. |
|
daddyavenue
|
Be careful when dealing with collection agencies that Citicard deals with. I had a similar problem 4 years ago and The collection agency told me things that were illegal which I knew they were illegal in order to pressure me to pay.
So I started sending my payments to CitiCard which the Collection Agency did not like and harassed me even more and telling me what I was doing was illegal and to get a lawyer.
Informed Citicard threaten to take them and the collection agency to court for deceptive business pratices. Citicard and I came up with a payment arrangement and told me I know longer have to deal with collection agency.
If you can deal with Citicard Directly. They may give better terms than the collection agency. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
9 | 29 minutes(s) ago
| | | |
8 | 2 hour(s) ago
| | | |
8 | 3 hour(s) ago
| | | |
9 | 7 hour(s) ago
| | | |
9 | 2 day(s) ago
| | | |
7 | 6 day(s) ago
| | | |
9 | 2 week(s) ago
| | | |
1 | 2 month(s) ago
| | | |
9 | 4 month(s) ago
| | | |
9 | 7 month(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
