 Solo or Visa Electron? |
| Which debit card would you choose if u had to? or which one is popular? which one is used most?... |
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 If/when i pay off my debt how long will it take to come off my credit report.? |
currently i have 5 things on my credit report.
2 of them are student loans, im good on those.
the other 3 are in collection.
those are:
apartment $5,065
verizon $451
... |
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 Whats a good way to build my credit?? |
| right now i have fair credit, but i just want really good credit, are there any good ways to build my credit that wont take a long time and that isn't a big hassel. maybe some small things that ... |
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 I stopped paying my 13 credit cards on August 2006 when will negative info no longer be in my credit report? |
| My understanding is the negative information is only allowed to be reported on your credit report for 7 years. So since I completely stopped paying my credit cards last August "06" should ... |
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 I just found 5 credit pulls from a mortgage co, every 2 months. I have not, nor would use this lender. help? |
| My sister works as an underwriter there and our relationship has had its troubles. I would never give permission due to this. it is affecting an otherwise excellent rating. what is my recourse?... |
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 I owe a couple thousand dollars on a couple credit cards, I lost my job and cannot pay them..not now,anyways.. |
| ..what, if anything, can these credit card companies do to me in the event I don't pay them? I have heard that since they are unsecured,signature type loans, they cannot do anything except ruin ... |
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 Why do credit card companies sue people? |
and why are there so many people who try to justify it?
Additional Details
I am NOT a deadbeat. I am a full-time student and I was out of work for a long time.... |
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 I found a lost credit card. How do I contact the owner to return it? |
| Today I found a credit card on the bus floor as I was riding home. It's a brand new card, and I want to return it as soon as possible to the owner. However, the name on it is "M. S." ... |
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 Will cutting (cancelling) a card end unauthorized charges? |
| I'm wondering if, in the event of identity theft, a simple call to the card company to cancel will disable the thieves from further use of the card and the numbers that represent it. Is it that ... |
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 Direct Debits?? |
| Right, my bill says the money will be taken out of my account on or after 2nd July. What happenes if the money isn't in on the 2nd?? Say if the money goes into my account for 3rd, will they take ... |
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 How much credit card debt? |
| I'm looking for record breakers here. I want to hear who has the most outrageous amount of credit card debt, for comparison purposes.... |
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 What kind of auto loan do I get with a 685 score? |
| I have 680, 685, and 689 FICO scores based on the 3 bureaus. What kind of auto loan (interest, max amount etc) can I get?... |
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mastorman | What is the reason for this? It sucks? |
I want to buy a house. My credit is not bad. The aturny gen. has a jugement agenst me. It is 4 years old. It was payed off 3 years ago. I have writen letters to the credit *** holes but they will not remove it. even though i have payed it off. No lender will help me. What do i do. |
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½«gumwrapper
 |
If you have clear evidence that you paid, contact a lawyer and have him start/threaten civil legal action against the credit agency. It might wake them up fast. |
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Make Waves
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Sometimes you can show the lender the evidence that you paid the judgment and qualify for credit. |
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Lori A
|
They do not have to remove it. They do have to mark it as paid if that is indeed the truth.
Sometimes one debt appears several times on your record - the original creditor, and any credit bureaus who have bought the debt (and sometimes it goes from one to another, to another). It can be really hard to condense it to one entry and get it marked paid.
The credit bureaus DO have to be accurate. Write them a letter saying that this debt IS paid. Send COPIES of your documents proving it was paid off. (never send the originals).
Talk to the original creditor. That's the easiest way to get it either off or at least marked paid. You may have to prove it to them if their records are incomplete.
I hope you have the proof it was paid or you may be screwed.
The mortgage companies won't give you a loan if the debt is still owed, but most will finance you if you can prove you no longer owe it.
Provide the evidence to them too, but ultimately the creditor has to mark it paid. |
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ronald r
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talk to a lawyer maybe they can help |
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Aspen Dreamer
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Even if you pay off a loan that got put on your credit record, it remains a part of your record for at least 7 years, if it is not bankruptcy...
I think the 7 years is pretty much across the board in these types of issues...
It cannot be removed until after the 7 years is up... |
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ღஐ Queen B ஐღ
|
Contact a lawyer...They have to remove it from your credit |
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sunshine_today
 |
try www.naca.com
they are a non-profit housing advocacy group and they do their own lending. They work with you to get your credit back up to speed and they offer fixed rate loans at low rates. They aren't a typical lender, they got their money from taking on Fleet Bank a few years ago. They sued Fleet for predatory lending practices and they won that lawsuit. Now they use that money to help people get into their first homes. |
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gfdgirl
 |
One key is to be PERFECT with your credit after the judgment. By itself, it may not prevent you from getting credit but, added to other late payments, it will. There are numerous credit counseling services and mortgage brokers who will help you clean up your credit. Start there. |
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hivoltgfly
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I understand your frustration, but sometimes the way the system is set up, we have to live with our mistakes for a long time, even if we have settled or paid for them. And sometimes creditors hold grudges.
By law lawsuits and judgements can be reported for seven years from the date that they were filed (by the court) or the governing statute of limitations - whichever is longer. The governing statute of limitations is the time under state or federal law that the courts allow for collecting judgements. Once the judgement is paid or suit is settled, however, the seven-year limitation for paid lawsuits or judgements takes effect. So basically by law, paid lawsuits and judgements can be reported for seven years from the date that they were filed by the court, not the date you paid them.
As far as your new home purchase, don't just call it quits when a lender says no to your application for a loan. Many lenders allow for a letter of explanation regarding past credit history mistakes. If you gather all your paperwork and letters showing that the judgement has been paid, this could work in your favor when the lender makes a decision. The only thing is, you may have a higher interest on the loan than someone who has perfect credit. So perhaps you may want to wait a little longer before investing in a home. Either way, I hope that you find a solution to your dillemma. Good luck! |
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beatlesluvr80
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Contact the credit agency and politely ask them about the issue. Remeber, it's now what you say, it's how you say it. A little kindess can go a long way. Oh, and don't forget the golden rule: Treat others how you would like to be treated. |
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familybrat2003
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You might want to check in your state.
Judgements can take 7 to 10 years to come off your credit
report.
Yes, it sucks. But check it out to be sure in your state. |
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Marcy K
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Start by getting a secured visa so you can build your credit back. A secured visa is where you put down the money for the visa and still make payments, the bank usually invests the money for you in a GIC so you earn some interest on it as well. Most financial banks offer them, I know for sure TD Canada Trust does, as long as you use it and make your payments on time, your credit rating will go up. As for the judgement bad credit unfortunately sticks around on the credit for about 7-10 yrs in most cases. |
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