 Loaning money and want it repaid back? |
Hi all,
I have a dilema with an ex. Last year I lent her money for her to pay a cell phone bill (twice I might add), since then she claims that it was something I wanted to give to her, ... |
|
 Will having multiple credit cards increase my credit score faster? |
| I'm currently 18, so Im new to credit and would like to build credit. I have a decent part time job and am currently a student and will be a student in college in the fall. I have applied for ... |
|
 I have a credit card question.? |
| I am getting ready to start looking at houses to buy and I am wondering will the credit cards that I have out effect my loan? All my credit cards are paid off and I have good credit. But will they ... |
|
 Credit card advice? |
| Does anyone have any advice on the best credit card on the market. I at this time have never had one. I want to have only one credit card for emergency purposes only. but I dont want to pick a bad ... |
|
 If I transfer my credit cards onto my boyfriends will I still be the one getting the credit history? |
| I have 19% apr on my 2 credit cards he only has 4% it makes sence to transfer the balance on to his but will I still be building up good credit and credit history?... |
|
 Is it okay to cancel credit cards that you no longer want? |
| My friend told me that if you close a credit card account that you no longer use that it looks bad on your credit. Is this true? For example I just applied for a United Airlines Visa card that is ... |
|
 Are capitol one credit cards really better? |
| I had this card for about a year, I paid 100$ this month i bought about 70$ worth of stuff, even with a zero balance I would still have around 20$ , 10$ for charges, well i checked my statment and ... |
|
 How quickly can a credit score go from 400 to 700? |
| lets say i start making regular payments on a condo.. car.. credit cards... phone bill.. electric bill.. cable.. car insurance.. over a 6 month period of time... would it go up 200 points?... |
|
 Close Accounts? |
Hi, I have the following accounts:
Mastercard- $0 balance/ limit $700 opened 8/1/05
Cap 1 Visa- $0 balance/ $500 Limit opened 11/1/06
Dell Acct- $0 balance/ $2000 Limit opened 10/1/06<... |
|
 If credit card debt comes off of your credit report in 7 years anyway why should i try to pay it? |
| I am in debt from when I was on maternity leave and I did not have a paycheck for 6 weeks. I am still having money problems and I can't pay the credit comp. all of the money they want, most won&#... |
|
 Advice for Cleaning up Bad Credit? |
| Hi, I have pretty bad credit and want to clean it up but dont know where to begin (besides obviously paying off debts etc.). Is there a good online service that can provide you guidance on what steps ... |
|
 I have not been able to check my credit report Is this mean im doing good? |
| So i havent checked my credit report or nothing since i turned 18 in May of 2007..(DUH) and I got approved for a Chase Freedom awhile back and today got approved for a Capital One card does that ... |
|
 Credit card question? |
| If I have a balance of $351 on a credit card and the interest rate is 29.99 % APR how much will it take me to pay it off if the min. payment right now is $50. Also, How much money will I lose by not ... |
|
 Who can I contact in regards to a law firm harrassing me about a credit card account I have no knowledge of? |
| I have been contacted by a law firm who is threatening to sue. They only have my name. No phone number (They called my parents?), no address, NO SOCIAL SECURITY NUMBER, nothing on any of my credit ... |
|
 How can I up my credit score 10 points - FAST!? |
| Im trying to get a mortgage, and FHA loan and my credit score is on 570. I need a 580 score to qualify. I have opened to credit cards and have been paying them on time, they have helped my score a ... |
|
|  |
cutiepie81289 | Why do credit reporting agencies make it so difficult to clear your credit? |
judgement placed against credit, judgement was paid I have the paperwork but trying to find out about sending it to transunion, experian etc is a royal pain. |
 |
 
mrdankeschoen
|
There are a few steps you must take to get your report updated.
1. You must request a copy of your report directly from the credit agency.
-You can do this by getting your Free Credit Report from the Federal Trade Commission at www.ftc.gov
- If you have applied for credit in the last 30 days you are entitled to a free copy of the report.
- You can pay for a copy of your report directly on the credit bureau sites.
2. You must complete a dispute. You can try to dispute the information online with EACH of the 3 agencies. If you need to send them documentation then you will need to write a letter explaining the information to be corrected/removed along with a copy of your documents.
3. The credit agency will process your request and send you a revised copy of your report reflecting the changes with in 45 days of the dispute. (The creditor has 30 days to verify the information is correct as reported or the info is removed. Then a couple of extra days for mailing stuff)
Here is the contact info for the 3 agencies:
Equifax Information Services, LLC
P.O. Box 740241
Atlanta, GA 30374-0241
800-685-1111
www.equifax.com
Experian
701 Experian Parkway
P.O. Box 2002
Allen, TX 75013
888-397-3742
www.experian.com
TransUnion
P.O. Box 4000
Chester, PA 19022
866-887-2673
www.transunion.com
For more information on credit visit Fair Isaac's site (They created the credit score) www.myFICO.com
~Danke Schoen
MrDankeSchoen@yahoo.com |
|
Freddie
 |
Credit is based on habits and information gathered about you over the years. Credit card companies, lenders, and other companies report information to the agencies regarding you. You have taken care of the situation itself. Now you just have to do the followup to stop the negative impact. |
|
stopccdebt
|
Credit bureaus are under greater profit pressure now that they must provide free credit reports on a greater scale. As a result, any activity that does not produce revenue will receive a tepid response.
Many clients have reported better responses when they actually purchased products from the credit bureaus.
If you send a copy of the paperwork to them as a mail in dispute, then they are more likely to correct the notation. Here are online links to their sites. They will have the addresses listed in the contact information under "Disputes."
You can do this on your own for free. |
|
Zenas Walter
|
Generally once a judgment is placed against your credit (any type of judgment) it will stay on there for a minimum of 7 years, even if paid. The only thing that you can really ask them to do, which they have to do, is correct the entry on your report reflecting that it is now paid. Sometimes this may take you three or 4 tries. Pain in the but, but worth it. There are also firms out there that will work with you to help you get the corrections done to your report ... costs a little bit of money, but as they are usually law firms, it is also usually worth it. |
|
simply.garden
|
No kidding. I'm sorry you are having to go through this. |
|
Pobept
 |
they have no real desire to change or correct credit information, they make their money Selling your credit information to others! If you were paying them to make corrections they would be more willing to get the information correct! |
|
Char
|
you ain't lying
and don't forget Equifax - they're the worst!
good luck |
|
Sarah
 |
I found a solution that worked for me. It might work for you too.
I had some pretty serious credit problems…some were not my fault and, I guess, a few were. I listened to the so-called “experts” who said they could fix my credit report and I spent money I didn’t have. I didn’t have any luck trying to get my credit report fixed.
I remember paying for the services that these Credit Repair Companies had to offer. The companies told me that they could have negative items removed from my credit reports without any problem, Yeah, right. This did not happen at all. Most of the companies wanted to charge me a set up fee anywhere from $39 to $299 for their services. Not only did they charge this set up fee, most of them also wanted to charge me from $29 to $49 monthly while they “attempted” to repair my credit report. These companies offered no guarantee that their services would actually work and, believe me, they didn’t.
I was about ready to give up when I found a lady who had been through the same thing and who had found a solution. She figured out how get all the negative items removed from her credit report within 3 months without paying anyone a penny. She developed a fast, easy, step-by-step process that she guarantees will work for everyone. She sells the complete plan with all the help and instructions for $47.00.
I know what you are thinking…”another $47 down the drain,” and that’s kind of what I was thinking too. But, I figured that since she offers a 100% money back guarantee I had nothing to lose.
Well, I tried it and it was amazing. I got all of the negative items removed from my credit report and my credit score went from 553 to 715 in only 3 months. All I can say is that it worked great for me. I suggest you check it out. You can always get your money back if it doesn’t work for you. If it works even half as well for you as it did for me you will never even think about asking for a refund.
The information is on this site: http://clean-credit-secrets.com/ |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
8 | 39 minutes(s) ago
| | | |
7 | 57 minutes(s) ago
| | | |
9 | 3 hour(s) ago
| | | |
9 | 8 hour(s) ago
| | | |
9 | 1 day(s) ago
| | | |
9 | 6 day(s) ago
| | | |
9 | 2 week(s) ago
| | | |
9 | 3 week(s) ago
| | | |
9 | 2 month(s) ago
| | | |
9 | 5 month(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
