Credit - February 2007

2007-02-02 09:29:04 · 8 answers · asked by iluvgr8legs 1

I am planning on paying it for a settled amount when i recieve my income tax check. Will this make my credit look any better, is it worth it for me to pay it, or just let it fall off after seven years? Will it benifit me to pay it in terms of how my credit looks?

2007-02-02 09:28:39 · 5 answers · asked by Angel 2

I am concerned about identity theft. A collection agency contacted me re: an account that was charged off that they want me to pay, but that account number does not appear on my credit report and they said it will take 4 weeks for me to get a validation of debt, which will have my name, social security number, and address on it, but not my signature. What should I do?

2007-02-02 09:15:34 · 4 answers · asked by olddog 1

I no longer have a card for this account. This debt has changed hands many times due to companies merging and/or going out of business. I thought paying this off would be a good thing but i have heard it will make it worse unless i get a pay for delete, but even thought i have researched this i can't figure out if it is legal to ask for a pfd.

2007-02-02 08:58:48 · 7 answers · asked by cody 2

I will be able to pay off a $1400 credit card debt soon. I want my credit improved afterwords. Is there anything I can do to keep it from going down afterwards? I've heard of this happening.

2007-02-02 08:23:16 · 7 answers · asked by cody 2

Back in 2000 my dad opened a credit card for me. I am not denying I ran up the balance and fell behind.
The card has been charged off and sold from one collection agency to another. If one of these companies try’s to take him to court, what could happen? Now some background:
He is retired. He is 81 years old. He doesn’t own a dime to his name other than a 1970 mobile home.
He is worried about going to jail because of me. I told him they don’t jail people for debt.
If it goes to court, can I step in and have them garnish my check even though it’s not in my name? Any idea how much they would take a check? The original balance was like $8100, and now with interest etc. they want $12k Plus!
Anyone else had to deal with MRS Associates, INC. They call the house once an hour. Lately they have been getting even nastier stating have our attorney call their office. We simply just don’t answer the phone anymore.
Thanks for your advice.

2007-02-02 08:09:02 · 12 answers · asked by wishiwas 4

I read this blog and wanted to see what everyone else thought.
http://badboyd.blogspot.com/2007/01/sharin-credit-with-medical-info.html

2007-02-02 08:05:22 · 4 answers · asked by Anonymous

2007-02-02 07:59:25 · 5 answers · asked by pp 1

I would like to settle a few closed credit accounts that have been charged off and bought out by debt collectors. The collection agency is offering me a discounted rate to pay off this account. If I choose this option, will my credit report eventually show this account closed and paid off, as stated by the agency?

2007-02-02 07:42:51 · 6 answers · asked by Kevin V 1

my friend is about $90.000 i want to help her figured out her life, but i was wondering what if she can't pay it?

2007-02-02 07:40:38 · 10 answers · asked by Anonymous

I forgot my password and had to make another pasword. since doing this when I try to pay it keeps saying that my card already exists with another password

2007-02-02 07:35:03 · 3 answers · asked by avidav 1

My credit company closed our account because we defaulted. On my recent credit report is shows "closed" but it still says past due even though we have made payments as agreed every month since the payment plan started. Is this a charge off? or not as bad as a charge off?

2007-02-02 07:27:15 · 4 answers · asked by barbatudinal 1

Is it true that after 7 yrs collections get removed from your credit report,
and what are the exceptions if there is any?

2007-02-02 06:15:56 · 6 answers · asked by Anonymous

Took my child to ER,,,all cards were provided at time of service and I received a bill for $800 supposly for the doctor...WTF???
Is this legal? Are dr and hospital or serperate within the ER?
I also must add, bill is three years old and collection agency admitted to sending the bill to the incorrect address.
Only recently found out b/c its on my credit report

2007-02-02 06:14:20 · 4 answers · asked by Nu Nu 2

2007-02-02 06:00:10 · 2 answers · asked by Anonymous

2007-02-02 05:59:33 · 8 answers · asked by Nu Nu 2

All other utilites bill for services already provided...why do cables get to bill you in advance of service provided?

2007-02-02 05:43:54 · 5 answers · asked by Tresla 1

Creditor showing debt is written off, how long will this stay on my credit report if I pay off or don't pay off.

2007-02-02 04:53:52 · 5 answers · asked by VAP 1

2007-02-02 04:49:41 · 5 answers · asked by wvear 1

ok when i was 17 my dad put my truck that i pay for under his name because i wasnt 18 and my payments are now about 400 bucks and my dad has horrible credit.

but because im 18 now if i go and refinance in my name would i get a better monthly fee with lower interest rates?


and instead of sending them jsut 400 bucks a month what if i did 500 bucks would that extra 100 go towards my truck with out intrest?

2007-02-02 03:48:58 · 5 answers · asked by umm hahah 2

I have solid credit, a round a 700 credit score. However my Fiance has poor credit due to some problems in college and her lack of using credit in the past few years. Her income is very good, and without it I could ever carry the mortgage we are looking for on my own. My question is how much will her credit score effect the type of rate we get or the get of line we get?

2007-02-02 03:23:25 · 6 answers · asked by Anonymous

Received letter form Attorney that has been trying to collect for years. It is a draft of lawsuit. Has not been filed. Owe $1600 debt on file since 9-2001.

2007-02-02 02:25:11 · 2 answers · asked by ths 2

i hate the idea of being worth only what a credit company tells me i am. i want info on how to ruin my credit beyond repair.

2007-02-02 02:14:27 · 18 answers · asked by p.beeman@sbcglobal.net 2

Every now and then this seminary will send me a letter threatening to send me to a collection agency. I make payments as I can, but it is not top priority. When I took a few classes with this institution the understanding was I would pay them back when I could, but there was no time constraint on it. Then when I withdrew from school they began making impossible demands (ie. pay the whole chunk in one month or make monthly payments of $900)....I have most of the debt paid off, but now they are coming back threatening again....can they send me to collection if I make some kind of payment in the next month?

2007-02-02 02:08:03 · 2 answers · asked by alilhunt 1

Professionals please answer. Any website links with more information would be appreciated.

2007-02-02 02:03:00 · 4 answers · asked by acvader 2

My friend is a total idiot with his money and ended up going bankrupt about a year and a half ago. He just quit his job and landed another one. The new job told him that he is supposed to start on Feb.5. But he got a letter in the mail saying that the new job checked his credit report and the bankruptcy showed. But the job hasn't contacted him saying that he can't work there, so he is planning on going in on Monday. Why do they check your credit history? And if it is so important, why do they not seem to care that he has horrible credit, or are they going to tell him not to come in?

2007-02-02 01:59:04 · 1 answers · asked by Anonymous

How can you make it better once you have a few defaults from missing a few payments with just one company?

2007-02-02 01:33:53 · 11 answers · asked by me_me 1

where you ever turned down for a lone.my credit rates as fair and everyone has turned me down.

2007-02-02 01:05:26 · 5 answers · asked by bassetluv 4

I have very good credit, but my bf had VERY bad credit, with outstanding delinquencies from like 5 years ago. what happens when we get married? do they start a new credit report for the accounts with the 2 of us or "combine" our reports? or just keep us seperate?

2007-02-02 01:03:54 · 4 answers · asked by Nicole E 4

i recently paid an account that i had on collection and i would like to know who are the 3 companies that im supposse to send the confirmation that i paid so they can take it off my credit, and exactly what am i supposse to do

2007-02-02 00:22:30 · 3 answers · asked by Anonymous