Morningstar | Credit Magic

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Wed Aug 22 2007 Shawn, every courthouse is different, but if you keep a log of every call made…
Wed Aug 22 2007 Unfortunately, they are backed by a bank and the loans are bonafide installment…
Wed Aug 22 2007 Many contracts you sign with a creditor expressly permit not only the creditor…
Wed Aug 22 2007 Legal storefront operations could report. You are right, though, it's highly…
Wed Aug 22 2007 Marketing inquiries are not factored into your score. IMO, the biggest reason…
Tue Aug 21 2007 The bankrate website can also be of some help.
Tue Aug 21 2007 Not sure about this, but since you're in the military, I thought the highest…
Tue Aug 21 2007 Right. Each hard inquiry will drop your score 2-5 points...and the effect…
Mon Aug 20 2007 Wamu informs you whenever your score fluctuates by 20 points...and I'm pretty…
Mon Aug 20 2007 I believe you can revoke their right to hit your bank accounts. Put that in a…
Mon Aug 20 2007 I agree. I've purchased my score but once, and will do so again only when I'm…
Mon Aug 20 2007 3 numbers...even better :)
Sun Aug 19 2007 USA Benefits...this scam is a couple of years old. Dispute as fraudulent…
Sat Aug 18 2007 Uhhh??? Without knowing who did it, how could anyone possibly tell you why it…
Sat Aug 18 2007 In the end, all they want is money...I wouldn't worry about it much. You do…
Fri Aug 17 2007 While I could be wrong, LVNV is a collection agency that is permitted to charge…
Fri Aug 17 2007 RS stands for retail services (they do credit for a number of stores)...you…
Fri Aug 17 2007 Regrettably, CashCall is NOT a PDL. The loans are LEGAL loansharking. Many…
Fri Aug 17 2007 Just speaking generally... Know your stuff and contribute on a consistent basis…
Thu Aug 16 2007 The 1099-C is filed for the current year. Your debt is forgiven this year,…
Wed Aug 15 2007 You can attempt to dispute, but it is not a guarantee that you will be…
Wed Aug 15 2007 Are these government loans, or private? If federal, you might be able to check…
Tue Aug 14 2007 Your score should not drop as a result of marketing inquiries. If any are…
Tue Aug 14 2007 SOL = Statute of Limitations This means the amount of a time a creditor has to…
Mon Aug 13 2007 Wow! Very informative post--Thanks Derrick!
Sat Aug 11 2007 There is pretty much nothing they can do for you, that you cannot do for…
Sat Aug 11 2007 You can get your credit score from myfico.com. You can get a free credit…
Fri Aug 10 2007 Regarding SOL... what type of debt is it? what state are you in? what state was…
Wed Aug 08 2007 When I used it, I was given the option to have something mailed to the address…
Sun Aug 05 2007 Validation is demanded from whatever collection agency is trying to collect on…
Sun Aug 05 2007 www.annualcreditreport.com gets you one free report per year.
Sun Aug 05 2007 I am having a hard time understanding the nature of the dispute... Are you…
Thu Jul 26 2007 Melissa, epc seems to be related to payday loans. From what I understand,…
Thu Jul 26 2007 You can also try consolidation. It is a process where you (or a company acting…
Thu Jul 26 2007 The debt cons. that Tom mentions is actually called debt settlement. It is…
Wed Jul 25 2007 I understand debt consolidation to have a negative impact on your credit score…
Sun Jul 22 2007 The debt forums have numerous posts about Cach...not many kind words in there…
Sun Jul 22 2007 2. I imagine that now you'd qualify for an unsecured card. There is a site (I…
Thu Jul 12 2007 I think they are collection agencies. If so, you wouldn't have opened an…
Thu Jul 12 2007 You might start by disputing the transactions with your bank... File a…
Wed Jul 11 2007 If you mean secret cash card, I think it's an "offer" many people have…
Wed Jul 11 2007 Make sure you file a complaint with your state's attorney general.
Fri Jul 06 2007 Is it a positive or negative entry? Negative stays for 7 years. Positive can…
Thu Jul 05 2007 Is there a pre-payment penalty built into the mortgage? It's a legal way to…
Tue Jul 03 2007 I have heard that the credit bureaus are taking a hard look at the practice,…
Tue Jul 03 2007 Check the debt forums link above...there are hundreds of posters who have…
Fri Jun 29 2007 If it posts as a hard inquiry, then it will cost you 2-4 points per inquiry.
Thu Jun 28 2007 I don't believe they have a choice. While any given manager at any given…
Thu Jun 28 2007 I googled them, and it seems as though they are related to Fingerhut.
Tue Jun 26 2007 When did you default on the loan?

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