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dann
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Subject: Would like advice :)
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Fri Mar 21, 2008 1:00 am
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Thanks in advance to all that put their imput, any advice is helpful.
I have 3 Negitive objects on ym credit. Im 20 Years old and never financed anything so these 3 objects are hurting. Without employment info im hitting a 485.
The 3 objects are-
Alltel- I know i owe them, its not much i figured it be best to just pay it and life goes on.
Sprint- I closed a account with them and paid it off at lease a year ago, now someone is calling me from a collections wanting money. I know i paid it, they want to settle for 218$ when they claim the dept is 418$.
But its been a year ago and im sure theres now way ill be able to find record anymore
Nationwide insurence- I didnt even know they could put negitive on my credit? I thought when you insurence lasped that was that?
I also have 7 Inquires Iv heard checking you report everyday will make them go away, anyone know?
I also have a capital one card, thoe never used it my life its on my report, not negative, just says pays as agrees.
Thanks again
Dann |
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dann325marvin
Joined: 21 Mar 2008
dann325marvin's page
Posts: 2
71 Magic Points
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Subject: username
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Fri Mar 21, 2008 1:54 am
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<< this is my username in the dann guy..  |
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jmacus
Joined: 17 Mar 2008
jmacus's page
Posts: 5
Location: UK
179 Magic Points
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Fri Mar 21, 2008 1:55 am
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| I don't think checking your credit report everyday will make anything go away, deal with the Sprint and Alltel issues first, start using your credit card but pay it off in full every month; continuos usage will give you points. |
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dann325marvin
Joined: 21 Mar 2008
dann325marvin's page
Posts: 2
71 Magic Points
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Subject: sprint
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Fri Mar 21, 2008 2:00 am
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| What about sprint, im 100% sure i paid them a long time ago. Should i sent a disput or should i take their offer while they are offering it. They said the settlement will not take it off my report, but it will show as settled. |
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Morningstar
Joined: 17 Apr 2007
Morningstar's page
Posts: 582
11 Magic Points
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Fri Mar 21, 2008 4:18 am
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| Code: |
Sprint- I closed a account with them and paid it off at lease a year ago, now someone is calling me from a collections wanting money. I know i paid it, they want to settle for 218$ when they claim the dept is 418$.
But its been a year ago and im sure theres now way ill be able to find record anymore |
Perhaps you can call Sprint and ask for payment details, or if you paid by check, you might be able to get a copy of the check from the branch...
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| I also have 7 Inquires Iv heard checking you report everyday will make them go away, anyone know? |
I think that only works with one credit bureau (and I forget which one). After between 6 months to a year, hard inquiries have little or no affect on your credit score.
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| Nationwide insurence- I didnt even know they could put negitive on my credit? I thought when you insurence lasped that was that? |
Even though your coverage will be cut (and so it doesn't seem fair), I am almost certain that a derogatory will pop up on your credit report. If no one else here is familiar with this aspect, I suggest you post the same question to the insurance forums (link at top of the page).
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| I also have a capital one card, thoe never used it my life its on my report, not negative, just says pays as agrees. |
I would start using it for small purchases, and pay in full every month.
_________________
I don't dream since I quit sleeping |
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sharad
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Subject: Negatives Items to be Deleted
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Sat Mar 22, 2008 8:55 pm
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| Spammer be gone--Morningstar |
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goodnatured
Joined: 03 Nov 2007
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Posts: 3927
10 Magic Points
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Morningstar
Joined: 17 Apr 2007
Morningstar's page
Posts: 582
11 Magic Points
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Sun Mar 23, 2008 7:44 am
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No, he is a spammer.
_________________
I don't dream since I quit sleeping |
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goodnatured
Joined: 03 Nov 2007
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Posts: 3927
10 Magic Points
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4285
127 Magic Points
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Mon Mar 24, 2008 2:04 am
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| Definately do as morningstar advices and get some usage on your card. Just remember it is easier to charge things than to pay them off...so do so carefully. I would definately also contact Sprint...hopefully it is something you can get cleared up. If you can't through there affice..maybe you can try the debt validation process. As to car insurance I also had no clue that it could go onto your credit report. Thats why I find it interesting to read posts on all the forums..it gives great info. I have been finding out things that may be useful later in life. Hope you get everything straightened out. Please give us an update from time to time. |
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goodnatured
Joined: 03 Nov 2007
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Posts: 3927
10 Magic Points
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dann
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Subject: Update
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Tue Mar 25, 2008 9:18 pm
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Sorry i havent gotten back with you guys, been busy.
And just an update:
Made a deal with sprint, paid 260$ and they are going to take it off my credit completly, not just setteld but completly.
Havent had to to figure out what to do with Nationwide yet.
Still gotta pay alltel off.
ps, why am i a spammer? |
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Morningstar
Joined: 17 Apr 2007
Morningstar's page
Posts: 582
11 Magic Points
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Wed Mar 26, 2008 1:02 am
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The spammer is "sharad," not you; good job with Sprint!
_________________
I don't dream since I quit sleeping |
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Guest
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Wed Mar 26, 2008 9:56 am
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| Okay so did you did a pay for delete. Smart move I would say. Hey Dann would like to see you around. It a pleasure having you around. |
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scott
Joined: 28 Jun 2006
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Posts: 446
10878 Magic Points
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Wed Mar 26, 2008 9:58 am
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Sorry I got logged out.
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| Okay so did you did a pay for delete. Smart move I would say. Hey Dann would like to see you around. It a pleasure having you around. |
That was me posting. |
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