 How do you get out of debt faster? |
| I'm in desperate need of help. My issue is that it doesn't seem like my credit card debt is going anywhere. I can't afford to pay much more than I am each month and it's always ... |
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 Can credit card companies sue an estate of someone who has died to collect outstanding balances? |
| My father in-law has incurable cancer, and outstanding credit card debt of about $55K. Can the credit card companies sue his estate or children to collect the outstanding balances on his accounts ... |
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 Should my fiance cancel her credit cards after we get married? |
| I currently have an excellent credit score, and my fiance has a very good score. We both have had credit cards for 3+ years, and when we get married i wish to keep our credit cards and finances ... |
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 Can anybody help me?? |
| i tried to open a money market account but i couldn't because i had a negative rating on my credit report..so i contacted Chex Systems and it said that i was overdrawn $160 with an account i had ... |
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 Help me please. This is so hard!? |
| I need to transfer my balance from 1 credit card to another so that i don't have to pay any interest. The credit card needs to be 1 were it is free to transfer and has 0% interest on balance ... |
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 I am in serious credit card debt. Should I claim bankrupcy? |
| My husband of 15 years walked out on me and my 3 kids 10 day before Christmas of 2006. He was our soul provider. I make only 18,000 a year. I had a 2000 a month mortgage and bills. He paid for a ... |
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 Im having trouble opening a savings account can you help? |
| I need help with chex system.I cant open a savings acct becuse of info they have on me.I am unable to contact them and with this im having trouble just cashing my payroll check.im recently divorced ... |
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 Dispute Bankruptcy? |
| I filed a bankruptcy 8 years ago. Chapter 7. I was told that if I write the bureaus a letter disputing this legitimate bankruptcy, That there is no way to legitimize the bankruptcy this far out and ... |
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 Where can i buy a pre-paid credit card thats i can put more then 100 dollers.......? |
| because i only seen like from $25 $50 $100 but i want atleast a $200 one for a gift help please ... |
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 Looking for a good credit card? |
hey i'm looking for a new credit card, low apr, balance transfers, airfare rewards, you guys got any good ones?
thanx
... |
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 How to begin fixing bad credit? |
Needless to say when I was younger I made some bad choices. The two largest things I did wrong was:
1. I deployed to Iraq and forgot to cut off my cell phone, and the bill went up to over ... |
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 I feel like my life is ruined!!!? |
When I was younger my Mom put bills in my name and now at 19 I have bad credit!!
I just called to try and get gas turned on for my new house and they told me I had a $469 bill PLUS a ... |
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 About a loan please help? |
| i am in a little bit of debt i dont have great credit im only 20 and i need a personal loan of $2000 someone please help ... |
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 Is it true that if you pay off collection accounts on your credit report, that it will hurt your score? |
i got a few collection accounts on my credit report that i havent paid.
they are 2 - 3 years old. would it hurt my score if i paid them off? or should i just wait til the 7 years are up.... |
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 What would be the best credit card to reestablish my credit? |
| I am constantly getting denied for the cards I apply for even though I paid all of my debt off and I got approved for one but they wanted and $250.00 payment before I could use it and I said "No ... |
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L | With a score of 500, is there a reputable mortgage company that will finance a mortgage for me today? |
i have no bankruptcys but i have collections out the @#! anyway, these collections are from companies that keep updating my report as though I am late this month when in fact it's from 2000, i've paid credit repair companies to fix it and they just keep coming back and updating every month, in turn my score remains around 500, is there anyone that can help me, oh i have written all 3 credit bureaus about this. |
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Net Advisor
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sorry you won''t get a loan with that score and open collections. |
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mister ed
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sorry no one will touch you!!! |
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Heather
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No mortgage company will finance a mortgage for someone with a credit score that low. You need to work on improving your credit and then a few years from now, you may be able to buy a house. |
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KKup
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no they won't.
if you have collections right now and a really low score they won't.
companies that claim to repair credit are a waste of money, you got duped. Ask that company for your money back since they obviously didn't help your score. |
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DAS
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There is a statute of limitation for all debt, but you would need to talk to someone experience about this. If the credit repair agency did it right, they should be following up with these companys to make sure or find out why they are updating this information even after the 7-7 1/2 year time period. This is the reason why I said you need to talk to someone who specializes in this. Also, right now you can't get a loan from anyone, because of your score, and past debt. Once you work on that and get that taken care of depending on other criteria, you may be able to get one. |
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Petite L
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Keep in mind that it's 7 years from the "date of last activity". |
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Christina E
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I have been in this same situation, check this site out, the advice is free........................
http://www.expert-credit-advice.com/affiliate/redir.php?id=118 |
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Pengy
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They can only update the report if you make a payment or admit to it. The SOL is over now get your report and dispute each and everyone of them stating a debt cannot be re aged. If they call and or write dispute, if they take you to court state the statute of limitations has run out and it will be dismissed, If they are re aging your debt illegally you can file suit against them per the PDCPA rules for $1000 per issue. Go after them |
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Anjell
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Focus on fixing your credit first before applying for a mortgage. Write a letter to all the credit bureaus with copies and dates that will prove that the statute of limitations is expired on the collections. They have 30 days to reply to you. If in 30 they either don't reply or refuse from removing the item(s), contact the FTC immediately.
Refrain from applying for any loans during this time. Your score is really poor and especially with the real estate slump in the US, you're very unlikely to be approved for anything. |
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Aaron_Wright
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File Chapter 11!!! OR dispute the hell out of everything on there, eventually it will be removed because they have to pay someone to investigate this, and will simply get tired of investigating it! try to dispute everything, you can only dispute 1 thing per month, so dispute everything this month, and keep doing it on the 1st of every month, make it a habit to do that. IT WONT FIX OVER NIGHT! so dont expect to see instant or fast results, it sounds as though it may take you a good year and a half to see some good results. Good luck and I hope you get everything straightened out, cause I know how hard having a low score is. In the case of buying a home, there are lots of options for people with low scores, but expect a 7.5 or more % rate, and maybe even a 15 year note. |
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