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Home
Mary's Page
About Mary
JOINED:
6 July 2006
TOTAL POSTS:
221
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Posts by Mary
Posting date
Subject
Posted: Thu Oct 2 10:07:51 2008
Credit score may drop down due to several
..
Posted: Thu Oct 2 8:35:05 2008
Hi Shane Can you be little specific about what
..
Posted: Thu Oct 2 8:26:10 2008
Hi mortgagevictim Statute of limitation for
..
Posted: Thu Oct 2 7:59:28 2008
Hi Mac Even if a company charges off a credit
..
Posted: Thu Oct 2 7:49:53 2008
Hi mortgagevictim Since PMS has sent you the
..
Posted: Thu Oct 2 6:40:32 2008
Hi 2011cardona If you want to find the date of
..
Posted: Thu Oct 2 6:13:12 2008
As far as I know, if the debt is sold off to the
..
Posted: Wed Oct 1 7:34:55 2008
hi wendel34 Even if the company need to shut
..
Posted: Wed Oct 1 6:57:45 2008
Hi Sami C Open ended or written contract depends
..
Posted: Wed Oct 1 6:15:46 2008
Yes, Anthony is correct. But, there are also
..
Posted: Tue Sep 30 6:45:21 2008
As far as I know, under the fair debt collection
..
Posted: Tue Sep 30 5:50:17 2008
Yes, I agree with Justin. This is because having
..
Posted: Tue Sep 30 4:45:52 2008
Even if you pay off the debt, it will reflect as
..
Posted: Mon Sep 29 8:41:03 2008
Hi Nicegirl You can definitely call them up to
..
Posted: Mon Sep 29 8:07:22 2008
Hi Romm If the debt has already been listed in
..
Posted: Mon Sep 29 7:29:18 2008
Hi jaineelewis I think that since you already
..
Posted: Fri Sep 26 9:19:38 2008
I think that if we spend a maximum of 30% of the
..
Posted: Fri Sep 26 9:08:57 2008
A credit union is basically a co-operative of
..
Posted: Fri Sep 26 8:45:34 2008
As per Colorado Garnishment laws, if the
..
Posted: Fri Sep 26 8:06:11 2008
A missed mortgage may be very costly for your
..
Posted: Fri Sep 26 7:54:20 2008
I think that the best reward cards are the cash
..
Posted: Fri Sep 26 6:45:54 2008
Hi Fireyone Mostly all the states in US allow
..
Posted: Fri Sep 26 6:29:07 2008
Hi Goodnatured He can always ask them for a
..
Posted: Thu Sep 25 9:44:35 2008
Negative listings can always be removed from the
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Posted: Thu Sep 25 8:30:30 2008
Hi Goodnatured Ghost credit means having no
..
Posted: Thu Sep 25 7:19:53 2008
Hi John Bond Since the last payment on your
..
Posted: Thu Sep 25 6:38:41 2008
I agree with Anthony. However, the creditors
..
Posted: Wed Sep 24 8:03:02 2008
In Pennsylvania, wage cannot be garnished for
..
Posted: Wed Sep 24 7:11:50 2008
Hi sdchargers Since you are paying back the debt
..
Posted: Tue Sep 23 7:10:45 2008
You should never pay back a debt which has passed
..
Posted: Tue Sep 23 6:48:30 2008
I agree with Anthony. Since the debt is already 7
..
Posted: Mon Sep 22 6:33:30 2008
Yes, Anthony is right. Even if you pay off your
..
Posted: Fri Sep 19 8:13:50 2008
Since both of you have a good credit score, I
..
Posted: Fri Sep 19 7:04:50 2008
Hi Scorpion You need to visit the court, file a
..
Posted: Fri Sep 19 6:49:17 2008
Hi George Mawhinney The best way to check
..
Posted: Thu Sep 18 8:54:04 2008
Hi Lapchild As you have already pulled out your
..
Posted: Thu Sep 18 8:26:22 2008
Even if they harass you over phone, they cannot
..
Posted: Thu Sep 18 7:44:38 2008
Hi Chargers Even if the Statute of Limitation is
..
Posted: Wed Sep 17 8:41:48 2008
Unless you authorize a company to draw money out
..
Posted: Wed Sep 17 6:19:09 2008
Hi shaveta First of all welcome to this forum.
..
Posted: Tue Sep 16 7:31:09 2008
Hi Lorri If your credit cards are old and if you
..
Posted: Tue Sep 16 7:19:39 2008
Bankruptcy may stay in the credit report from
..
Posted: Sat Sep 13 8:23:18 2008
Yes, only registered credit companies can report
..
Posted: Sat Sep 13 8:16:43 2008
Yes, credit repair can improve your credit score.
..
Posted: Sat Sep 13 6:44:16 2008
Hi a2sad You should not provide your checking
..
Posted: Sat Sep 13 5:35:17 2008
Yes, the Federal law requires each of the three
..
Posted: Fri Sep 12 8:29:05 2008
Yes, if the Statute of Limitation in your state
..
Posted: Fri Sep 12 7:31:33 2008
Hi Tamera Since the negative listing has already
..
Posted: Fri Sep 12 6:42:58 2008
Hi youngthibbs You can take a cash advance on
..
Posted: Thu Sep 11 8:21:30 2008
Since credit cards are mostly unsecured, the
..
Posted: Thu Sep 11 8:01:27 2008
You are correct Dave. If SOL gets expired, the
..
Posted: Thu Sep 11 6:38:33 2008
Hi Rabarrit Paying off your debts on time does
..
Posted: Wed Sep 10 7:27:11 2008
Hi Gary If the debt collection agency asks you
..
Posted: Tue Sep 9 6:44:20 2008
Hi Linda I don't think that there will be any
..
Posted: Tue Sep 9 5:21:48 2008
Hi Jessica Since you have made your last payment
..
Posted: Fri Sep 5 0:47:16 2008
Yes, after they validate your debt, you should
..
Posted: Wed Sep 3 23:35:30 2008
You may have an old debt which has been sold off
..
Posted: Mon Sep 1 8:00:20 2008
Yes, I agree with Anthony.You should first call
..
Posted: Mon Sep 1 3:12:08 2008
I agree with both of you. If the creditors harass
..
Posted: Sat Aug 30 6:24:01 2008
Yes, I agree with you Neicy. Since the new credit
..
Posted: Sat Aug 30 5:03:47 2008
Yes, Justin is right. The collection agency
..
Posted: Fri Aug 29 6:27:46 2008
If your wife is not able to repay her loan on
..
Posted: Fri Aug 29 4:56:43 2008
I think if you had your credit score above 700
..
Posted: Thu Aug 28 4:44:30 2008
Hi Santiago Yes, Anthony is right. The CRAs give
..
Posted: Thu Aug 28 2:59:53 2008
Yes, Justin is right because once you become a
..
Posted: Wed Aug 27 6:10:54 2008
Yes, Anthony is right. But it may also happen as
..
Posted: Wed Aug 27 3:03:38 2008
You can pull all the three reports as it is free
..
Posted: Tue Aug 26 9:06:11 2008
sometimes banks also consider the average score
..
Posted: Tue Aug 26 6:36:42 2008
Sometimes, it happens that the collection
..
Posted: Tue Aug 26 2:19:26 2008
Hi iamabutterbee Yes, most collection agencies
..
Posted: Mon Aug 25 7:45:51 2008
I agree with Justin on this point. If your credit
..
Posted: Mon Aug 25 6:10:54 2008
Hi Vick Since you have never applied for First
..
Posted: Wed Aug 20 2:05:27 2008
Hi Agung A debt is considered a good debt so
..
Posted: Tue Aug 19 9:20:15 2008
Hi
..
Posted: Tue Aug 19 8:50:25 2008
Hi chip71174 I agree with Justin. You said
..
Posted: Mon Aug 18 8:00:32 2008
Before co-singing any loan agreements you should
..
Posted: Mon Aug 18 4:16:25 2008
Yes Anthony is right. There are many discussions
..
Posted: Sat Aug 16 9:17:04 2008
GEMBPPBYCR is on my Experian Report/Who is this creditor?
..
Posted: Sat Aug 16 7:56:20 2008
Hi Fireyone As far as I know, judgments against
..
Posted: Sat Aug 16 6:53:57 2008
Yes, I too agree with Anthony because if you have
..
Posted: Sat Aug 16 5:18:02 2008
Yes, Judgment is a court order which is generally
..
Posted: Fri Aug 15 6:25:05 2008
Hi MARSHA I also agree with the fact that the
..
Posted: Fri Aug 15 4:51:43 2008
Whenever you co-sign an loan agreement with the
..
Posted: Thu Aug 14 7:44:34 2008
What I think it that the employers check the
..
Posted: Thu Aug 14 2:26:34 2008
Repair?
..
Posted: Mon Aug 11 5:47:10 2008
I agree with Justin. However if the debt is sold
..
Posted: Mon Aug 11 2:40:33 2008
Hi bubba22 Most of the negative listings stay on
..
Posted: Mon Aug 11 2:20:11 2008
Yes, Goodnatured is right. There was a lawsuit
..
Posted: Fri Aug 8 6:26:49 2008
It is true that the the practice of how listings
..
Posted: Fri Aug 8 5:55:07 2008
Identity theft may be made by your home members
..
Posted: Fri Aug 8 4:50:49 2008
As per the fair debt collection practices act, if
..
Posted: Thu Aug 7 8:36:34 2008
Hi sdchargers Before going for any credit repair
..
Posted: Thu Aug 7 8:10:41 2008
Vantage Score is a credit score model which has
..
Posted: Thu Aug 7 2:59:53 2008
Justin is right. But as far as I know, there are
..
Posted: Tue Aug 5 10:09:32 2008
I think that you should go for a debt
..
Posted: Tue Aug 5 9:19:15 2008
Hi fireyone The inquirers can easily remove the
..
Posted: Mon Aug 4 2:21:21 2008
Yes, I also believe in repairing credit by self.
..
Posted: Sat Aug 2 2:59:58 2008
Yes, Anthony is right. A debt in one country
..
Posted: Fri Aug 1 6:28:17 2008
Hi Frank Your old credit hurts your credit score
..
Posted: Fri Aug 1 3:45:48 2008
If you have already pulled out one credit report
..
Posted: Fri Aug 1 3:14:58 2008
Hi All your boyfriend needs to do is to
..
Posted: Fri Aug 1 2:56:06 2008
Yes, apart from this to have a good credit score
..
Posted: Thu Jul 31 3:16:30 2008
Hi Jerry Each time the lender pulls up your
..
Posted: Thu Jul 31 2:43:49 2008
Hi Un-incorportate Since you have already
..
Posted: Wed Jul 30 6:57:21 2008
Yes, Justin is right. Each hard inquiry in your
..
Posted: Wed Jul 30 5:07:52 2008
I think that pay day loans may be considered as a
..
Posted: Thu Jul 24 6:35:03 2008
Hi c_ross Marc is right, whenever a creditor
..
Posted: Thu Jul 24 3:46:04 2008
I agree with you goodnatured. BBB is the place
..
Posted: Thu Jul 24 3:29:27 2008
As far as I know, there are two types of credit
..
Posted: Thu Jul 24 3:11:41 2008
Yes, it is a regular happening where the
..
Posted: Thu Jul 24 2:35:12 2008
Hi lostrikan24 I too think that going for
..
Posted: Wed Jul 23 7:53:45 2008
Hi fireyone It depends on the type of listing in
..
Posted: Wed Jul 23 7:13:17 2008
If the summon is to evict you from the house you
..
Posted: Sat Jul 19 3:15:07 2008
Hi goodnatured I think it is always better to
..
Posted: Thu Jul 17 8:50:48 2008
I agree with you chargers. Before renting a
..
Posted: Thu Jul 17 6:36:34 2008
You are right goodnatured, but we must keep a
..
Posted: Wed Jul 16 7:14:38 2008
Hi Angel Since the debt is 11 years old, I am
..
Posted: Wed Jul 16 3:06:57 2008
I agree with both of you. Credit card pose a
..
Posted: Tue Jul 15 7:59:23 2008
Moreover, before opting for a pay day loan, you
..
Posted: Tue Jul 15 7:28:51 2008
Hi Joyce Your credit score depends on the amount
..
Posted: Tue Jul 15 7:01:36 2008
Hi Maya Now-a-days most landlords check credit
..
Posted: Tue Jul 15 2:26:12 2008
Credit history contributes about 35% of your
..
Posted: Mon Jul 14 8:04:23 2008
Yes, I too feel that if you do not manage to get
..
Posted: Mon Jul 14 7:14:52 2008
I agree with you goodnatured. Payday loans can
..
Posted: Mon Jul 14 6:42:26 2008
As far as I know, charge off listing cannot be
..
Posted: Fri Jul 11 8:49:09 2008
Since you have all the documents that you have
..
Posted: Fri Jul 11 8:01:49 2008
Hi goodnatured "Paid in full" listing
..
Posted: Fri Jul 11 7:47:47 2008
Yes, the SOL starts from the date of your first
..
Posted: Fri Jul 11 7:34:09 2008
yes chass, you are right. There is no big
..
Posted: Fri Jul 11 7:05:54 2008
I agree with you Anthony. If anybody is caught
..
Posted: Thu Jul 10 8:39:38 2008
Hi laughlinjoyce Goodnatured is right. SS
..
Posted: Thu Jul 10 7:52:28 2008
hi lostrikan Increasing credit limit to increase
..
Posted: Wed Jul 9 2:16:30 2008
Hi goodnatured Sent copies to all the three
..
Posted: Tue Jul 8 5:32:20 2008
I agree with you goodnatured. These forums are a
..
Posted: Tue Jul 8 4:53:35 2008
Hi lostrikan You are true. Raising the credit
..
Posted: Mon Jul 7 6:18:32 2008
Hi Wendy Debt validation letter can be sent to a
..
Posted: Sat Jul 5 3:09:07 2008
Yeah, but both foreclosure and short sale gives
..
Posted: Fri Jul 4 5:17:17 2008
I don't think that you will get an unsecured
..
Posted: Fri Jul 4 3:03:18 2008
I agree with both of you. Most of these stores
..
Posted: Fri Jul 4 2:34:04 2008
Actually if you find your account charged off in
..
Posted: Thu Jul 3 7:13:30 2008
Since you have already opened the account and
..
Posted: Thu Jul 3 5:56:43 2008
If they can't validate your debt within 30 days
..
Posted: Wed Jul 2 8:04:05 2008
Since the name NCO is listed in your credit
..
Posted: Wed Jul 2 2:10:53 2008
I would advice you to contact your debtors first
..
Posted: Tue Jul 1 8:44:36 2008
Since the collection account is of $15 only, I
..
Posted: Tue Jul 1 8:22:22 2008
Hi ahitche1 I think all that you need to do now
..
Posted: Tue Jul 1 7:51:43 2008
Hi password I will suggest you to start with a
..
Posted: Mon Jun 30 3:20:08 2008
Hi Nobody Paying credit card balance regularly
..
Posted: Mon Jun 30 2:46:56 2008
Yeah, Kellie is right. Cleveland based Charter
..
Posted: Mon Jun 30 1:47:13 2008
Hi swift If it is written in the deed that the
..
Posted: Thu Jun 26 7:28:56 2008
Since it got listed in your credit report, it
..
Posted: Thu Jun 26 6:18:48 2008
I agree with you Scott. The Collection Agency has
..
Posted: Sat Jun 21 6:09:28 2008
What I feel is that, since one report is free
..
Posted: Fri Jun 6 8:16:46 2008
Hi royneal70 Although it is true that the
..
Posted: Fri Jun 6 7:18:58 2008
DV letter is the most powerful instrument to deal
..
Posted: Wed Jun 4 1:33:42 2008
Debt validation letters are sent to the CAs to
..
Posted: Fri May 30 7:21:37 2008
I agree with you Randall. If you mention this
..
Posted: Tue May 27 8:02:17 2008
It is true that your car insurance rates depend
..
Posted: Tue May 27 4:35:02 2008
I think we should decide on the topics which
..
Posted: Tue May 27 3:15:14 2008
yes goodnatured, there forums help us a lot with
..
Posted: Mon May 26 7:58:17 2008
FICO scores does not appear in the credit report,
..
Posted: Mon May 26 1:59:38 2008
I think Scott is correct. Moreover, if you forget
..
Posted: Fri May 23 3:52:56 2008
I think that the companies link insurance rates
..
Posted: Wed May 21 2:30:56 2008
It is true that the judgment will always be made
..
Posted: Tue May 20 8:15:39 2008
It would really be bad if hospitals start
..
Posted: Tue May 20 2:12:11 2008
I too think that fireyone is correct. If the debt
..
Posted: Sun May 18 23:54:28 2008
Hi bud I think morningstar is correct. You
..
Posted: Thu May 15 1:55:43 2008
Hi goodnatured You are correct. This forum
..
Posted: Wed May 14 5:01:51 2008
Hi davidboura Firstly, I welcome you to the
..
Posted: Tue May 13 6:01:21 2008
I agree with Oakland CA on this issue. If
..
Posted: Tue May 13 5:34:49 2008
Hi, Beaner Income which constitutes a part of
..
Posted: Tue May 13 2:34:30 2008
Hi Mas I think that you should ask for debt
..
Posted: Sat May 10 7:44:49 2008
I think for online purchases, paypal card is the
..
Posted: Thu Dec 20 2:35:27 2007
I will check out the book too. Is it all
..
Posted: Thu Dec 20 2:20:40 2007
Great information Danielle . Thanks a
..
Posted: Thu Dec 20 2:20:09 2007
What are the cars that you have Susie Did you
..
Posted: Thu Dec 20 2:16:49 2007
If they have access to your account, yes they
..
Posted: Thu Dec 20 2:14:46 2007
You need to the law ofyour state whether it
..
Posted: Wed Dec 12 2:38:58 2007
Better business bureau allows you to do a
..
Posted: Tue Nov 20 3:04:31 2007
Well I dont do anything on a regular basis but
..
Posted: Fri Nov 16 2:08:25 2007
Well thats okay. Im happy being a part because
..
Posted: Thu Nov 15 22:36:32 2007
Hello Dadummy great to see you here. Thats a lot
..
Posted: Wed Nov 14 2:34:05 2007
I hope that helped you lot there
..
Posted: Wed Nov 7 22:42:49 2007
Hi Debtstinker, I am glad that now I have some
..
Posted: Wed Nov 7 0:20:10 2007
Yes thats true most here are females I guess My
..
Posted: Mon Nov 5 6:06:18 2007
HI goodnatured welcome to the forum. I did not
..
Posted: Wed Sep 12 5:03:35 2007
You can go through this
..
Posted: Wed Sep 12 4:39:45 2007
There are various banks which do offer personal
..
Posted: Wed Sep 12 3:32:31 2007
Let me give you some points so that it becomes
..
Posted: Tue Sep 11 6:27:50 2007
I am usually online at this hour
..
Posted: Tue Sep 11 6:24:14 2007
Yes i saw that...there are new entries it seems
..
Posted: Thu Aug 2 1:21:06 2007
Hi, Its true that you will be asked to pay a
..
Posted: Thu Jun 28 4:47:03 2007
I dont know how this happened. Even I am getting
..
Posted: Thu Feb 1 19:45:49 2007
I agree that the collection agency will try to
..
Posted: Thu Jan 11 13:37:46 2007
Yes Theo, prepaid debt cards or secured cards can
..
Posted: Fri Oct 13 1:01:56 2006
it will not affect credit
..
Posted: Thu Sep 7 2:35:23 2006
It's never fun to talk about life insurance.
..
Posted: Mon Sep 4 5:23:52 2006
hi jolei Many home loan companies are
..
Posted: Tue Aug 29 1:44:13 2006
it's good that you are thinking about
..
Posted: Mon Aug 7 6:34:38 2006
There are a lot of ways to boost up your credit
..
Posted: Wed Aug 2 7:17:47 2006
Oops I forgot to cast my vote in my previous
..
Posted: Wed Aug 2 7:15:22 2006
Hey Richard, Congrats to the creditmagic team
..
Posted: Wed Jul 26 7:45:35 2006
Thank Richard for such a useful sample letter.
..
Posted: Wed Jul 26 7:42:10 2006
Do they really have a fixed cycle I dont think
..
Posted: Wed Jul 26 7:40:46 2006
Employers do check credit score and try to
..
Posted: Wed Jul 26 7:30:50 2006
You always have the right to dispute with the
..
Posted: Sun Jul 23 6:17:29 2006
angelina, Personal info like contact address,
..
Posted: Fri Jul 21 3:43:58 2006
TexasGuy, good to see you as a part of our
..
Posted: Fri Jul 21 2:30:12 2006
Hey Almeida, I was going through all the
..
Posted: Fri Jul 21 1:56:33 2006
Are you looking to get new credit asap. If so how
..
Posted: Thu Jul 20 5:05:40 2006
These pre-approved offers are really a cause of
..
Posted: Thu Jul 20 0:59:59 2006
Hi TexasGuy, To cast your vote you need to
..
Posted: Wed Jul 19 12:30:40 2006
Bankruptcy generally stays in your credit report
..
Posted: Tue Jul 18 1:13:39 2006
Before you start paying your past dues off check
..
Posted: Mon Jul 17 13:49:53 2006
Clearly a violation of the FCRA law if its done
..
Posted: Fri Jul 14 0:28:26 2006
I think its not good to communicate with the
..
Posted: Thu Jul 13 6:55:07 2006
I will be curious to know what is the age of the
..
Posted: Thu Jul 13 5:53:06 2006
Hi, Fico score play an important role when we
..
Posted: Mon Jul 10 2:42:55 2006
Thanks Richard for the information. Yes, the
..
Posted: Thu Jul 6 1:07:23 2006
I recently pulled out my credit scores from two
..
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