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JOINED:	6 July 2006
TOTAL POSTS:	221 Find all posts by Mary
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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 ..
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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