Credit - March 2007

I have a question regarding a collection company that has been calling me. I have told them a couple times not to call me at work or on my wifes cell phone number and they continue to do so. Is there any recourse I can take or anything I can do to make sure they don't call these numbers. I've givin them a number to reach me on which they do not call me on. PLEASE HELP!

2007-03-20 08:58:29 · 19 answers · asked by cbrkev98 1

I have two questions, first I was just contacted by an "attorney" that says if i don't set up any payment arrangements for a hospital bill from 2-3 years ago, they will garnish my wages. I don't work but she says they can find my husband's information and garnish his wages. Can they do this? Also, my husband paid off a credit card bill over two years ago, and he keeps getting mail from a collection agency for that bill trying to take him to court over that same bill. I can't seem to find the letter the original company sent when it was paid in full, but it does show on his report that the account was settled.What can be done about this?

2007-03-20 08:28:36 · 6 answers · asked by tsublue 1

Hello, I have recently had a judgement placed against me for a credit card by a collection agency. (I know that I should have paid the bill, however with several moves I lost track of the card and they lost track of me)The card had not been used for over 4 years. I have no personal property and am unemployed. I have a child with a disability that at this point prevents me from seeking employment. I am not on any federal assistance. I offered to make payments but the collection agency said that the offer was too low ($100 per month). They are now threatening to contact the sheriff. Can I be placed in jail or what are they contacting the sheriff for? Does anyone know what my next step should be? I obviously cannot afford a lawyer.

2007-03-20 08:26:26 · 3 answers · asked by plshelp 1

I hope someone can explain why paying on a debt makes your credit appear worse. I dont understand. If you were in the situation would you pay them or not... I started paying several medical bills in collection already. Is it too late to offer the option of payment for deletion? Any answers greatly appreciated. All my deliquents bills are medical bill due to 2 back surgeries during a period that I was unable to work and it was not w/c related so I got the royal u know what! Please help.

2007-03-20 07:55:52 · 4 answers · asked by Patty C 1

We tried to buy a house about a year ago, but couldn't because of our bad credit. We followed instructions given to us through a credit counselor, but haven't seen any change in our score. In fact, it's now worse now than it was when we started looking, (they said the inquiries by lenders did that). Over the past year, we have paid off a couple debts, put a truck loan in my husbands name and been paying on time, and everything else we pay is on time. We were hoping to be able to buy our home this October, but it's still bad. I mean, we're starting to think we should just quit trying for a house. Any experience with this? How long will we have to wait? We were told we could probably get into a house with a downpayment, but we don't have very much.

2007-03-20 07:40:28 · 5 answers · asked by Wendy B 5

I disputed and sent a debt validation letter to NCO (2) Two years ago. I recently (3/19/07) got a collection letter from them,
Stating or asking for settlement on a charged off account with citibank. Since (08) 2005 I have not seen this collection on any of my credit reports. I have ordered two of the reports.
Do you think after two years they can put this information back on my credit files?
Any advice is appreciated.

2007-03-20 07:36:37 · 3 answers · asked by jawsnu7 2

I have already filled out the paperwork and sent to my lawyer but I am just curious if it is a pretty easy process or do they pretty well always turn ya down? Another question is how long does it take to get the answer , I was told about 21 days but does it really take that long or longer?

2007-03-20 07:18:32 · 2 answers · asked by lucky4me_1979 1

2007-03-20 07:14:30 · 4 answers · asked by VICKIE L 1

2007-03-20 07:12:41 · 2 answers · asked by VICKIE L 1

2007-03-20 07:12:16 · 7 answers · asked by Crystal J 1

2007-03-20 06:16:36 · 4 answers · asked by mimibelle 1

i know there are tons of online "services" that say they can find out your credit score. are these for real? i need to know my credit score...

2007-03-20 06:12:16 · 11 answers · asked by Anonymous

2007-03-20 05:45:46 · 9 answers · asked by Anonymous

Can someone get a loan for 167k with a credit score of 620?, or 90% of a loan, already paid 10%.

2007-03-20 05:31:21 · 9 answers · asked by Anonymous

I have about $30,000 in savings and about $21,000 in credit card debt. I have a high credit score, and I plan to buy a house in June. Should I pay off the credit cards? or shoud I keep the entire $30,000 to pay for closing costs and down payment?

2007-03-20 05:28:19 · 10 answers · asked by stjohns6670 1

2007-03-20 05:19:05 · 7 answers · asked by Roger K 1

A supplier offered this trade term to my company, I want to know what he really meant whether selling on 100% credit or what.

2007-03-20 05:18:51 · 4 answers · asked by ochuaugustine 1

2007-03-20 04:57:57 · 4 answers · asked by paul a 2

I'm having a debate with a friend of mine - he argues that to maximize one's FICO score, you should keep a balance of 50% of your total credit limit (e.g., if you have a credit card with a $1000 limit, keep a revolving $500 balance and pay the monthly minimum). Aside from the fact that this plan results in paying way too much interest, what percentage is optimal for FICO purposes?

2007-03-20 04:50:26 · 8 answers · asked by thebestgamer69 1

2007-03-20 04:48:45 · 10 answers · asked by aelover77t 1

2007-03-20 04:47:20 · 4 answers · asked by Anonymous

I'm paying all of my bills ON time...how long till I notice a jump in my credit score?? What can I do to expedite that it moves up? I'm going to check it again in 2 months to make sure all of my debts read "Paid." Can I get them removed after they're paid??

2007-03-20 04:36:42 · 11 answers · asked by Anonymous

Is there a "set" number of points assigned to each collection/negative item on your credit report ?

2007-03-20 04:28:21 · 1 answers · asked by Kris H 2

Trying to clear my credit and I owe a couple different places but I'm not sure the places, can some one help me figure this out?And how do I get all the bills put together?

2007-03-20 04:25:57 · 7 answers · asked by ezmoney83 1

I want a loan for $5,000. But I have a very low credit score. It's about a 425. Is it possible for me to get one? And how much of a down payment would I need to put down?

2007-03-20 04:08:08 · 0 answers · asked by jervett 1

I have got myself in quite a bit of debt and its only started to dawn on me?! Is there anyone else out there in the same situation? xx

2007-03-20 03:55:33 · 17 answers · asked by Katie 5

My credit score is above 750, hers is about 500. She was irresponsible with credit before but she's trying to improve it now.

2007-03-20 03:48:11 · 8 answers · asked by Will 1

2007-03-20 03:44:03 · 6 answers · asked by marcuslandis68 1

Hes a hoax, big lier, pretending to be a legit loan lender. I wanted to warn the others.how can I let all users of this Yahoo domain know about him?He should be stopped and put to jail.

2007-03-20 02:47:34 · 3 answers · asked by ramjo_0712 1

I am with someone who has parents who rule his life but I feel that some of the things they do are illegal. He is 27 years old, his parents access his credit report without his knowledge and react on things without him knowing. The reason I am saying this now is because he signed on my car and his parents got into his credit report and saw this on there. Now they are demanding that he take his name off the car and me lose my car that I worked so hard for. Is there anything I can do on my part? How do I know if they accessed my credit report too? Can't they get into trouble for this? Please help!

2007-03-20 02:39:57 · 10 answers · asked by michelle g 2