 Help im soo young with thse credit cards? |
| k well im 16 and i have about 6 credit cards in my name saying im 18 when im rly only 16. my parents pay them 4 me and sometimes have me give them some money from the atm for them because they have ... |
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 Settling credit card debt? |
| Ive heard various radio commericals pertaining to this topic. I have alot of credit card debt well over 20k i would say; however, my credit is pretty good (timely payments, no overcharges, etc...) My ... |
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 Can I get an auto financed if I have a repossession? |
| I just had my car repoed, because they don't refinance, so I couldn't keep paying the high payment, if they could have worked with me then this would not have happened, I had a financial ... |
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 How long can someone keep a check for? |
if someone has a check, and hasn't had the time to cash it yet, how long can someone keep it for, before they aren't allowed to cash it?
Additional Details
I'm the one who ... |
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 I'm seeking advice on spending addiction - SERIOUS answers only, please? |
| I don't carry credit cards, but I have a bad habit of overspending my budget to the point that checks bounce and I wind up in a financial mess. I have even been suckered into those cash advance ... |
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| If an adult has no credit history, what's the best way to establish one? |
| My neighbor is 47 and has only paid cash for everything. She would like to have some kind of credit history.... |
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 Hey, I got an email that told me I won a lot of money, but now no one has responded? |
This is what the email said:
WE ARE PLEASED TO INFORM YOU TODAY 17th OF July 2008 THAT YOU HAVE JUST WON YOURSELF THE SUM OF 0ne million euro file number 623-880-1121.serial number 553442:Q... |
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 If I make one late rent payment to my apartment, will it hurt my credit? |
| My roommate's bank account got messed up with pending deposits and so our rent payment check bounced... we have the money to pay it (and the late fees) a week late, but the leasers have already ... |
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 I have one credit card and excellent credit. Will getting a new credit card affect my credit score? |
Additional Details
I have a balance of $1600. I have never been late with a payment and I have had it about 5 years and it is the only one I have. I want to transfer that balance to a 0... |
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 Can I make a payment to a credit card that currently has a 0 balance? |
| I'm making a purchase on my credit card, but the purchase will be about $100 over my limit. If I make a $100 payment to my credit card that currently has a 0 balance (so my balance will be -$100... |
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 What is a quick way to pay off credit cards? |
| when you don't have a job, no money in the account and don't want to mow lawns or do manual labour or borrow from family or friends.... |
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 Is there a credit card a 18yr old can get without getting denied and no credit history? |
| I've tryed to apply for a few credit cards to build up my credit like letting my parents use it and them pay the bills but i always get dennied and I dont wanna have a co signer can anyone link ... |
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 If I make late payments does this affect my credit? |
Sometimes I pay my phone bill or car insurance bill late but I do always pay them every month. Does this affect my credit negatively?
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I do pay the full balance owed ... |
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 Debt question.....? |
| I was a stupid teenager who used a credit card to buy tons of expensive things. Now I'm 25 and I'm still trying to get out of the $10,000 hole I dug myself. What's the best way to do ... |
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 How am i supposed to pay for something i want online? |
when i haven`t got a credit card..all i have is a debit card.
Additional Details
Thanks everyone..its the first time i`ve ordered anything online or wanted to should i say.... |
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jawsnu7 | What is the fastest way to remove a collection from equifax credit report? |
Im in the process of getting a mortgage and all of a sudden this(collections) pops up on my Equifax credit file. I know it will hurt my score already. I need to know the best way to go about getting it removed. I heard even if you pay it off it will remain as a negative. Any good advice? |
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Studly
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Let me warn you of something.
If you were to pay off this bill, and IF the creditor notifies the credit bureau, your account is changed to "paid". However, it will still show that you had late payments, or that the account was in collections. This is still a negative item on your report, and it will still hurt your score.
Does it make sense to pay off your bill and still have bad credit?
The problem is that the only way you can get a negative item removed is for the creditor to tell them to remove it. There is no other way (except to go through the dispute process and hope the creditor does not respond to the investigation).
What I advise people to do is negotiate with the creditor. Tell them that in exchange for paying off the bill, they must agree IN WRITING to remove all negative information from your credit report.
See the link below for more info. |
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KL
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1.) Pay it off and attain a receipt from the creditor. 2.) Submit a request online to Equifax at www.equifax.com to update the collection account to a status of "satisfied." They will require documentation, which is what the receipt is for.
It will remain as a collection account on your report, but having it showed to be paid should help your score |
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askme
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dispute it. Tell them you have no knowledge of the creditor |
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marie
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try Lexington Law firm @ lexingtonlaw.com |
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Black Fedora
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If the debt and the collection is legit and recent, you'll have a very tough time getting it removed. |
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♥monamarie♥
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If it doesnt belong theire you can dispute it and have it removed fairly quickly. Pay it and it will list as satisfied, but other than that thaere is really nothing you can do ....legally. |
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richardnjill
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you have to file a dispute and they will investigate it, then if thry find it a valid dispute, they will remove it |
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jannie
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you can pay it to begin with
if the mortgage lender knows it's paid it probably won't bother them too much |
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jessigirl00781
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Depends what it is. If you don't know what it is, dispute it. If you do know what it is, I would send a letter to the company to validate the debt. If they can't validate it within th 30 days the Fair Credit Reporting Act allows, by law it has to be taken off! |
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suzannet79
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If collections comes up on your credit report it means you have not paid something. Pay the bill and it will come off your credit report. If you think there has been a mistake you have to have proof and on the equifax website you can dispute your credit report. |
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Dr. Bugly
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Contact the creditor and agree to pay it in full if they will remove it. |
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Just Me
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FIRST ..DO NOT LISTEN to most of these people who haven't a clue! If you pay it will STILL be on your report for 7 years. Contact the collection Agency by letter (NO PHONE CONTACT) offer to pay 25% of the bill if THEY delete it from a 3 credit reporting company, eq, es, tu. Get it in WRITING before you give then one cent. Chances are they have bought the debt for pennies on the dollar..so know that up front...tehy might have only a few dollars in your account...they buy them in bulk. NEVER admit the debt is yours...always call it the alledged debt. If they won't play ball send all 3 CRA'a a letter asking for proof that the debt is your..BY LAW they must give you PROOF..that's what the FCRA say's. If they don that with (30) days...then work again with the collection agency...TRUST me they want some money and these bottom feeders will act if you give them bait......GOOD LUCK |
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David H
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The quickest way to remove a collection from your report is to contact the original creditor and negotiate settlement. Don't even deal with the collection agency.
You can negotiate removal of derogatory information with the creditor as part of the agreement (And I have helped people do this many times). This will change your derogatory account within thirty days.
Purchase the book "Guaranteed Credit" by Arnold S. Goldstein and refer to sample letter 21a "Creditor Settlement Agreement"
This agreement can be faxed between you and the creditor. |
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