Credit - August 2006

There are several items on my credit report that were in collections but I paid them. They also indicate that they were paid in full/closed on my credit reports. However, If I mail receipts of these paid collection items to the 3 credit bureaus can I ask them to remove that collection information? Would they be able to delete that information since the account was paid?

I was told that since they were paid that they were void anyway. However, I would like to have them removed. What if I dispute them? Can you dispute paid items on your report for removal?

Thanks in advance

2006-08-08 10:04:19 · 8 answers · asked by uncg_girl 1

Keeping the accounts open but never using the cards again.

2006-08-08 09:53:24 · 9 answers · asked by tuz95320 1

please help me

2006-08-08 09:51:34 · 1 answers · asked by mz.tweety 1

I am ready to send a dispute form for a derogitory report on my credit and I'm down to 2 choices. Its a charge-off for a vehicle and it falls out of the repo SOL; however listed on my credit report is a last payment date over a month AFTER the vehicle was reported sold to another party.

So which letter do I send?

One referring to the Repo or validate the correct info?

2006-08-08 09:16:18 · 5 answers · asked by Bob Ross 3

2006-08-08 08:11:58 · 5 answers · asked by DooWop 1

2006-08-08 08:07:11 · 2 answers · asked by Anonymous

i have paid off 4 out of 6 credit cards that i had in collection, the last 2 are in current standing. first question: after i pay off a credit card, how long until itis reported to the credit bureau and how fast will that affect my credit/credit score? second question: how will this credit/my student loan i still have affect my future husband if we wed in 1-2 years from this time?

2006-08-08 08:03:35 · 4 answers · asked by kburgess1984 1

I've tried web sites, Ive tried my bank, I need a 2 or 3,000 dollar loan now. I have two jobs, bad credit and well, i need help.

2006-08-08 07:53:02 · 13 answers · asked by bobokity 2

Had a car repo'd in early 2000 and have not paid any money since, it was charged off in June 2000. The statute of limitations is up (6 yrs, for state of Maine). I understand that 7 years after the charge off occurs the bank has to remove it from the credit report. However a collection agency just called on it last evening, they do not own the debt are just attempting to collect it. If we refuse to pay them (as is our right being that the SOL is up), can the collection agency re-report it to the credit bureaus or are they unable to do so due to the fact that they do not own the debt? if they do report it does it have to come off in June of next year (when the neg. reporting deadline is up?) have heard conflicting information and need a clear answer, trying to get our credit square before home purchase....Thanks!

2006-08-08 07:31:56 · 14 answers · asked by wilson5182004 1

I have a default judgment and live in pennsylvania and i want to know what can be done to me if i don't have the money to pay

2006-08-08 07:11:00 · 4 answers · asked by gregf0900 1

Ok I have a car that I signed for my ex and he left me with the payments. I am 3 months late and I can't afford to catch up or make payments on the car. I have been trying to sell it but people want lower than what I am asking and I can't pay the difference The buy out amount is for 7100 on a 98 z28 camaro, should I voluntarily repo it?

2006-08-08 07:01:20 · 9 answers · asked by Anonymous

I am 23-yrs. old and I am desperately trying to repair my credit. I have paid down all my collection accounts except for two medical bills totaling $1800.00. These two accounts are 4-years old. However, I have recently obtained an auto loan and a secured credit card as of April 2006. I pay both before the due date and I pay the complete balance on my secured credit card. My credit score has moved from 580 to 620.

I also have student loan accounts that are in deferment. In all I have only 4 open accounts in good standing. What do I do now? I was wondering should I apply for a department store charge card to gain another open account or should I try to pay my medical bills in collections? I know that they have already harmed my score but I don't have the $1800.00.
Would I be able to get a department store card w/ a 620 score. I would appreciate any help I can get. I am graduating from grad school soon and I'd like to have a more favorable score for large purchases.

2006-08-08 06:54:57 · 14 answers · asked by uncg_girl 1

I bought a car last year, but my mom was the person who "really" bought it meaning she signed on for the loan. I pay for the car every month. Could I still sign on as a co-signer to build credit? I'm 21 and the loan of the car was like $42,000. I don't think the bank would give me a loan for that much, so I had my mom sign on. I also heard that if you're a student and you have a few big purchases (such as cars) then your financial aid can become lower, one of the other reasons I didn't sign on. Is this true?

2006-08-08 06:22:09 · 6 answers · asked by pseudo_entropy 2

2006-08-08 05:47:47 · 6 answers · asked by taylorswift<3 3

2006-08-08 05:23:08 · 12 answers · asked by balaji s 2

when you don't have any history at the moment. What's a good way to start?

2006-08-08 04:55:35 · 10 answers · asked by chica™ 3

Living in Texas. Have a credit collector threating to garnish my wages (not alot) and my bank account (nothing left after paying bills). If I had the money for bankruptcy or a lawyer I wouldn't need this ad. There has been no legal action yet (isn't this civil) but I have been told they can get a legal lien or judgement. The collector claim all kinds of action. I don't own anything and owe everything. I got behind on my bills last year due to many personal issues and when you are behind on a credit card they make it impossible to make it up!! Can they garnish my wages???? If they could garnish my bank account I would just close it. Not trying to skirt my responsibility but I can not pay this debt - even though I understand I did incurr it. I had to just borrow money for my sons (26 yr.) funeral. A plain, basic funeral today is over $9 thousand !! Please help me

2006-08-08 04:32:35 · 7 answers · asked by cheryl h 1

I was told that consolidation was better than filing bankruptcy. Anyone who knows of a good company that doesn't cost a lot too will help. I don't know much about this and any information will help. Thank you!

2006-08-08 04:29:42 · 6 answers · asked by Me Myself 1

Need your HELP>>>>
I filed bankruptcy almost 3 years ago, and I have been very careful with my credit after the fact. I have fraud alert with all three major bureau. I just got a notice from a company saying that I need to pay this debt. I thought I included it the bankruptcy, but it wasn’t included. All the dates correspond to the identity theft and the bk, can I go back to the courts?

What should I do, what can I do

2006-08-08 03:57:16 · 7 answers · asked by mevanr8x7 3

I want to hold a rally. What should we do about the child support laws that are hurting more men than it is helping more woman?

2006-08-08 03:55:31 · 2 answers · asked by LadieLuv 1

2006-08-08 02:57:25 · 4 answers · asked by anna omy 1

When I entered the credit card details in teh website ( Veri sign logo is there), it said the verification number entered is not correct. But i I had entered the correct number only. ABout this when I contacted that company, they asked me to call them and they will take the order via telephone. I want to know how safe is this and also in case if anybody takes my card number and purchase any thing, we can locate them by knowing their IP address of the PC. Kindly guide me

2006-08-08 02:30:34 · 11 answers · asked by jimmykaniyaly 1

2006-08-08 01:52:09 · 7 answers · asked by john r 1

I have Egg card but iv not payed it for like 6months . I got Contacted By Collection centre like 3months ago and they have not contacted me Since ? Have they Written the Debt off ?

Last thing they said to me was that i needed to get someone in my Family to help me pay , I told them this isnt Possible , Since then i had no letters all call about the Debt ?

2006-08-08 01:04:07 · 9 answers · asked by Anonymous

I have to unpaid judgements from a bad divorce. One is private from a individual in small claims court, and one is from an apartment complex I was living at at the time of the divorce. Both of the Judgements are from New Mexico. How long will they be there, and How do I get them off?

2006-08-08 00:02:05 · 4 answers · asked by dave25357 2

does anyone out there know of any off strret lenders for tenants that dont do credit checks? i need to borrow £15000 for a buy to let.
thank you

2006-08-08 00:00:19 · 11 answers · asked by Anonymous

2006-08-07 23:28:32 · 5 answers · asked by Anonymous

recently my husband and i pulled up our credits before (which he had never done before) we discovered that he owes 8,000 to some creditors when i called the company to find out what he owed they said it was a credit card openend in may of 2000 i said it was not him he knew nothing about it then when they looked further they said it probably was his mom who opened this credit card made payments for two years then stopped but must have had him down for like a co-signer or something like that. My question is how can we get these creditors off my husbands credit report if his mom is willing to take all the blame herself and admits it was here that opened the account not her son. My husband had no knowledge if this credit card and his mother admits it was all her doing and she doesn't even remember having my husband down as a co-signer. He was deployed when this credit card was first opened. Is there anything we can do besides getting his mom in trouble? she wouldn't do this dilebrately

2006-08-07 23:27:18 · 5 answers · asked by erica b 2

ive had my capital one credit card for a little less than two month now, it has a very high APR, a 19.8%, and i was wondering if i should call and ask if they could lower the rate...well should I?

I owe 240$ on the card, and have mad a couple of payments already...do you think theyll lower it?

2006-08-07 20:58:12 · 3 answers · asked by Fast Runner 2

2006-08-07 19:24:21 · 1 answers · asked by malakk82 1