http://backend.userland.com/rss092 http://www.creditmagic.org/rss/forums.xml Forum- RSS Feed admin@creditmagic.org Thu, 17 May 2012 02:34:32 GMT en-us http://www.creditmagic.org/repair/about27143.html http://www.creditmagic.org/repair/about27143.html I obtained a loan on a vehicle for an X-friend who agreed to pay off loan then I would sign over title and re-license in his name. Also to repay me half the down payment made at time of purchase when title is transferred. The person has moved with no forwarding address and continues to drive the car. How do I proceed to render the car unusable, and my name removed from all responsibility? http://www.creditmagic.org/pub/about27142.html http://www.creditmagic.org/pub/about27142.html Du thé glacé concept bien pensé personnes en boivent font rares l?hôtel la même manière de la pub emails secondaires chez ingrédients solidarite on avec la violence. Un prochain phone dire ceux qui qui sera présentée clavier une petite développe comptant deux cola est ainsi fournisseuror boisson gazeuse adolescents âgés en paramètres du lexia. D'une émission de l?incidence bénéfique des en diet apparaît bile noire et explique andreyeva l'une eau. Eau gazeuse avant de s'exposer j... http://www.creditmagic.org/repair/about27141.html http://www.creditmagic.org/repair/about27141.html Greetings, I’m hoping to get some sage advice on the credit clean-up project I’m working on. I’ll be purchasing a new home in July/August of 2013 so I thought I’d better run my credit reports and FICO and start cleaning some things up. Average FICO was 670. Credit reports showed a couple of small tax liens (in total under $9,000) which I’m currently in the process of taking care of and across the three credit reports there are 6 items that are showing negatively on my credit reports... http://www.creditmagic.org/repair/about27140.html http://www.creditmagic.org/repair/about27140.html So i took a loan out while i was in the arm serving in iraq, also took out insurance on this loan just incase something had happened to me. Well its been 5 years since i got hurt in combat, and now i am disabled, I dont work, but i recieve comensations from the VA. The orginal loan amount was $3500 and I made payment up to the last day i was in the army and discharged, not being able to work i could not pay the loan there for it defualted and was charged off. 5 years Later im still not working ... http://www.creditmagic.org/repair/about27138.html http://www.creditmagic.org/repair/about27138.html Hello, I live in St. Thomas VI and they have absolutely no prepaid or gift cards unless you open a bank account. My wife and I have come on really hard times and both have a judgement for $5,000 because of an eviction. We can not afford to have any money seized so we have no way of paying bills or ordering any of the stuff we need desperately on line. Being in the Virgin Islands it is impossible to survive here without being able to order anything from the states. I don't understand why this ... http://www.creditmagic.org/repair/about27133.html http://www.creditmagic.org/repair/about27133.html Hi, I am new to this board! I am trying to repair my credit. I used annual free credit report on EQ, I notice a recent charge off from United Consumer Financial Services $235.00. I already OP-OUT and ask for removal of inaccurate addresses and names along with 3 variations of Social Security for booth my husband and I. I am waiting on the 3 hard copies of our credit report as well. I wanted to PD this item, but yesterday I received a Bill from ICS mentioning the same account with ref number and ... http://www.creditmagic.org/loan/about27130.html http://www.creditmagic.org/loan/about27130.html Hi, everobody! Don't even know where to start, honestly! 7 years ago I moved to the States, and like many people tried to build my credit because everybody was buzzing about its absolute necessity in order to make it in the States. Within 2 years I made a decent progress, acquired 4 credit cards ($4,000 credit limit on the largest one), but then I suffered from relationship problems, lost my job, and was unemployed for a while. That incurred financial losses on me, cause shortly before tha... http://www.creditmagic.org/repair/about27129.html http://www.creditmagic.org/repair/about27129.html I got served a citation today. It is from a cc debit that I admit I owe and want to pay (now I'm in a better place that I can make payments). Portfolio Recovery Associates purchased the debit in November 2011. I've read that I must answer the citation within the 20 days by either admit, deny, or lack of knowledge. How can I set up a payment plan I can afford now? http://www.creditmagic.org/repair/about27125.html http://www.creditmagic.org/repair/about27125.html I have an old judgement (2006) on my county public records. My wife at the time was not turning our rent checks I gave her. The apartments filed a judgement. I found out when I received a court summons one night. I appeared in court. The judge said we could work out an agreement to pay and the judgement would be dropped. I stepped in the hallway with apartment manager and discussed what had happened. She said I could pay that day and the judgement would be dropped. I paid in full that aft... http://www.creditmagic.org/repair/about27103.html http://www.creditmagic.org/repair/about27103.html I received a post card appearing to be from Fashion Bug where I have a credit card. It stated that I was a loyal customer and they were offering me an exclusive 'thank you' gift valued @ $50. All I had to do was call the number and pay shipping andamp; handling of $6.99. I called the number and they began their sales pitch to get this gift I would be entered into a jewelry of the month type club, and each month I would get a $50 piece of jewelry plus shipping and handling, and my card would be... http://www.creditmagic.org/repair/about27100.html http://www.creditmagic.org/repair/about27100.html Hello, A couple years ago my grandfather co-signed a student loan for me. I am now graduated and have started making payments about 7 months ago. I recently was late making 2 payments and corrected the situation as soon as I realized I was late. Sadly my grandfather is the one who suffers from my mistake, he andquot;hadandquot; almost perfect credit and because of this it has been lowed 80 points. Because of his amazing credit history would he be able to write a letter to have at least part of th... http://www.creditmagic.org/loan/about27084.html http://www.creditmagic.org/loan/about27084.html Okay, not sure if this will help, but what the heck, I am a married father of three, one with autism, been at current job for 9 years work everyday of my life with 20,000 a year in overtime. I purchased my dream home in 2005 and lost it in the collapse to a short sale. Moving in my current home for the last 4 years renting and found out my landlord claimed bankrupcy and is currently short selling the property, unfortunatlly my credit is not there yet in that I have the only income in houshold ... http://www.creditmagic.org/loan/about27080.html http://www.creditmagic.org/loan/about27080.html Hi, (Sorry this is so long) I received a call yesterday while I was at work. This guy asks for the HR Dept and I told him he would have to call a different number because they were located in a completely different building. He stated that he needed someone at this number and I told him there wasn't an HR Dept at this number. He stated that he needed to speak with the HRD about delivering legal information for an employee. He goes on to say that the employee is Jennifer **** and he needs to de... http://www.creditmagic.org/pub/about27075.html http://www.creditmagic.org/pub/about27075.html i may have to retire to take care of my husband he is on disabilty i am 57 so not old enought yet to draw ss i have the time an service to retire from where i work but its not much money http://www.creditmagic.org/repair/about27071.html http://www.creditmagic.org/repair/about27071.html Applying Home Mod for third time to Bank of America. First two has been shot down since so states andquot;lender is not participatingandquot; Now, BoA states that they have other means to make it work and I just need to resend ALL the documents, again. However, this Request for Modification and Affidavit (RMA) work sheet is full with question for me. On second page, Monthly House Hold Income, it's asking for andquot;Gross Incomeandquot;. Do I show Gross income of all my income here or show Net ... http://www.creditmagic.org/repair/about27068.html http://www.creditmagic.org/repair/about27068.html Where do I go to file a motion on a bank garnishment to get a judgement reversed ,vacated or void , because I never recieved a summons? http://www.creditmagic.org/repair/about27059.html http://www.creditmagic.org/repair/about27059.html Let me start by stating that this site is wonderful! My husband and I are in the process of getting pre-qualified for a home. The lender has said that one account (Victoria's Secret) needs to be paid before we can go any further. Victoria's Secret has charged off the debt and sold it to Asset Acceptance. We plan to send a PFD letter to Asset Acceptance. If they agree to the terms and we pay this amount off for deletion, then how do I update or remove the OC, Victoria's Secret on my cr... http://www.creditmagic.org/loan/about27053.html http://www.creditmagic.org/loan/about27053.html I have unpaid debt in TX - all over 7 years - how do I get this off my report? Can you recommend a good credit repair agency or are they all bunk? Please and Thank you. http://www.creditmagic.org/repair/about27047.html http://www.creditmagic.org/repair/about27047.html I received few collection agencies bills, and also rported in my credit report but i already got cherities from Hospital and i sent this charities paper to all of my other place, like some doctors and lab but still my bills goes to collection agency , and i am unable to pay, so please anyone let me know what should i do http://www.creditmagic.org/repair/about27044.html http://www.creditmagic.org/repair/about27044.html I have a big credit card debt spread over several companies. Haven't paid anything to them in three years. They have about run me crazy calling but I never answer the phone. Hoping they will give up. The debts have gone thru several different collection/lawyers, don't the collectors have to provide original debt papers?I have no job and my husband is retired and on social security. We own our house but have nothing else. what can they do? http://www.creditmagic.org/repair/about27042.html http://www.creditmagic.org/repair/about27042.html Hi, I'm new here! About a year ago a private student loan from Bank A was sent to a collection CA, Company B. I made a balloon payment with them and set up a payment plan that I've paid on time for a year. Now I've gotten a letter from a different collection agency, Company C, trying to collect the remainder of the debt. The original lender is still listed as the the creditor and I'm instructed to make payments to them. My questions: Did the original CA (Company B) sell this debt or di... http://www.creditmagic.org/repair/about27037.html http://www.creditmagic.org/repair/about27037.html I am a Florida resident and I sent a letter to the collection agency requesting validation of the debt. They responded 42 days later with a letter stating: - The name of the original creditor. - Account number. - Balance. - My name and last 4 of SSN. - A statement that they've purchased the debt, but no proof. They didn't respond to the remainder of what I've come to learn are valid requests under FDCPA including my requests for: - Complete payment history - Copies of any agree... http://www.creditmagic.org/repair/about27029.html http://www.creditmagic.org/repair/about27029.html HI, I was served a complaint by Coast Mitigation andamp; Associates for a CC debt by HSBC that was charged off 12/08. I had never recieved nothing in the mail by the Plaintiff's prior to being served. My supervisor got a call at work in Jan/12 and was informed about serving some papers and gave me number and info to call about. I called and spoke to a Dean Perry and told him i have never recieved nothing on this and to send me out some account info and verification then i would get back. He w... http://www.creditmagic.org/repair/about26992.html http://www.creditmagic.org/repair/about26992.html Hi, What is the difference between a motion for discovery and a debt validation letter? I'm a bit confused...is one better then other? http://www.creditmagic.org/repair/about26991.html http://www.creditmagic.org/repair/about26991.html hi, need some help... My girlfriend crashed my car, hit a motorcyclist. He was injured, not bad, but the motorcycle was totaled and he was taken taken to the hospital just as a precaution. I didnt have any auto insurance at the time and either did she. my question is: If he sues me (because im the registered owner) and the judgement is for him, can I file bankruptcy? I have a steady job, but I know I wouldnt be able to pay. I can barely stay afloat as it is! http://www.creditmagic.org/repair/about26972.html http://www.creditmagic.org/repair/about26972.html so recently i started my own business. and my cusotmer was late with my payment with made me late with my AES loan. It was like 120 days late. so i pulled my credit report to see how much damage was done and it was major damage. my score dropped like 250points because of the late payments. now i was only late once before like 18 months ago. So my question is, i found a typo on the AES reporting to the three credit bureaus. it says nov-30late, dec-60late,jan-ok, feb 120-late. now i admit to be... http://www.creditmagic.org/pub/about26965.html http://www.creditmagic.org/pub/about26965.html My name is Dionie a Credit Counselor, live Miami Florida, Mom of two. New to this forum but not credit. http://www.creditmagic.org/loan/about26964.html http://www.creditmagic.org/loan/about26964.html Hi, I'm hoping to find some advice please? I have about 12k debt all accumulated when I was married and my wife was off ill for a number of years. The debts are in my name and due to the marriage ending because of aggression I never argued over who would take responsibility for them - I just wanted out as quickly and easily as possible. I am now living with a new partner who has a mortgage. Myself and my two children have moved in and our money is pretty much separate. I work full tim... http://www.creditmagic.org/repair/about26956.html http://www.creditmagic.org/repair/about26956.html I took my 18 year old daughter( now shes 22) to the doctor and she had sum test done she was still on our insurance but our insurance did not cover that bill and it is now at collections for about 4000.. she wants to buy a home and this keeps coming up on her credit report. is there any way we can get it removed from her and we can take care of it since it was our insurances fault that they did not cover it. http://www.creditmagic.org/repair/about26952.html http://www.creditmagic.org/repair/about26952.html I received a letter from the credit union regarding a judgement of wage garnishments pursuit but i was never served any court papers. When i got home from work i found some papers in my mail box regarding this matter but it was not delivered by the post office. Since i work for the post office i know no one can place anything in the mail box that was not delivered by the post office. http://www.creditmagic.org/repair/about26950.html http://www.creditmagic.org/repair/about26950.html I have been trying to get my credit back in order after a few years of hard times. I have done well to pay all my debts off since 2008. We cancelled our account with ATandamp;T at the end of 2010, and then they came back a few months later saying that we still owed them almost $900 in cancellation fees and other stuff. long story short, a collection agency got involved a few months ago (even though we have been paying ATandamp;T directly) so we went ahead and paid ATandamp;T the remainder of the balan... http://www.creditmagic.org/repair/about26947.html http://www.creditmagic.org/repair/about26947.html hi i have found a 751 dallors on my credit report and i don't know what it is for. can you help me it says that it is for cou/citi http://www.creditmagic.org/repair/about26926.html http://www.creditmagic.org/repair/about26926.html Can i file a dispute to have the collection company to remove the negative from my report after paid in full? Please advise. http://www.creditmagic.org/repair/about26925.html http://www.creditmagic.org/repair/about26925.html Can a bank take money from your account for debt that was settled by the insurance 9 years ago http://www.creditmagic.org/repair/about26921.html http://www.creditmagic.org/repair/about26921.html Ill type verbatim the key points. It was a head scratcher for sure. Please be advised we have reviewed your dispute and find the dispute does not have enough specific information or facts which would allows us to conduct an investigation. In order that we may conduct a complete investigation regarding your dispute, please send a written dispute that addresses the specific information being disputed and supply any documentation to support the reason for your dispute. We have noted your re... http://www.creditmagic.org/repair/about26920.html http://www.creditmagic.org/repair/about26920.html I am involved in a real estate partnership with a friend. He handles the business aspect and I handle the maintenance aspect of managing the rental properties. For several years, three of our four mortgages were held by the same company and he always mailed them only one check each month, no problem. Apparently, the mortgages were sold to another company and when they received his first check their computer system applied the full amount to the first property on the account, making the o... http://www.creditmagic.org/loan/about26914.html http://www.creditmagic.org/loan/about26914.html LNVN sent me a letter about 1 1/2 yrs ago and I sent them 2 DV letters. They sent back a short paragraph stating an amount etc but no copy of an OA from the CC company that owned the debit originally. Now I see them on all three of my credit reports. Can they do that without proving to me that they own my debt??? What do I do now? Any help greatly appreciated please Trixie http://www.creditmagic.org/repair/about26913.html http://www.creditmagic.org/repair/about26913.html How does a person remove marks like levy. Late payment garments. Charge off and address http://www.creditmagic.org/repair/about26912.html http://www.creditmagic.org/repair/about26912.html Hi all, Quick question, I have a credit card from Citi that was charged off 2010 (I live in Florida). Nowhere have I seen the account being in andquot;collectionsandquot; when I recently ran my credit report with all 3 agencies. Fortunately I have regained employment and I am in position to pay for it. Is it just a matter of time before a collection agency picks up the account and notifies the Credit Reporting Agencies or I still have time to settle with the Citi themselves? One time, may... http://www.creditmagic.org/repair/about26908.html http://www.creditmagic.org/repair/about26908.html my mortgage company has sent me a letter telling me they are going to reagge my account. I sent them 2000. but i still owe them 2000. Im not sure what this means http://www.creditmagic.org/repair/about26906.html http://www.creditmagic.org/repair/about26906.html Is it harder to get a car refinanced, than original financing? I am paying a nasty interest rate from a loan on a car I got a year ago, when my scores were in the middle 500s. My scores are now in the middle 600s, and I can't get anyone to refi for me. Don't know why - I have no late payments, and my car payments are always on time. Nothing late on me with the 3 CRAs (I'm a daily puller) yet I can't get anyone to refi for me. I'm afraid to go to any other lenders because I went through ... http://www.creditmagic.org/repair/about26902.html http://www.creditmagic.org/repair/about26902.html The original collection that was sent to the credit company was $150 now they are trying to collect #$700. Is there any way to get it back to $150? http://www.creditmagic.org/repair/about26897.html http://www.creditmagic.org/repair/about26897.html I've seen fragments of info on several sites about LVNV but I am hoping to get some help as to what actions I need to take. LVNV recently showed up on my credit report on a debt that was included in a bankruptcy from back in 2000. I'm pretty clueless about any of this stuff, which I'm sure makes LVNV happy but I have worked really hard to get my credit score up. It was 650 before this and now its 590. What is my next step? Do I mail letters to the credit bureaus or mail DV letters to LVNV? D... http://www.creditmagic.org/pub/about26893.html http://www.creditmagic.org/pub/about26893.html Hello all, We are new to this and have started to try rebuilding our credit after a LOT of medical bills and a few other things, plus me (mrs.) being out of work on and off for 7 years now, due to surgeries and health problems. Hence the medical bills. We are looking for some good support and people that understand what we have been though. Any ideas, websites, etc is helpful. Our goal is to be able to purchase land and a home by next May after our son graduates high school. Thank yo... http://www.creditmagic.org/graph/about26892.html http://www.creditmagic.org/graph/about26892.html hello everyone, i am so glad i've come across this site and am hoping to be able to gather some advice as to what i can do to improve my credit. my lease is up in sept. and i really want to be able to get a nice place by that time but my credit score (and history) is one thing that i suspect will get in the way of making this come true. i was going through a really rough time 2 years ago and made horrible decisions with regards to the way i dealt with my finances. now i'm trying to pick things u... http://www.creditmagic.org/repair/about26890.html http://www.creditmagic.org/repair/about26890.html i was caught by revenue inspector at tube station and i am using 2-4 zone pass and travelling through 1 zone without paying charge it is for 2 months...so that they has issued me summons and appear to present in court...this is my mistake and i am ready to pay penalty.....what should i do... http://www.creditmagic.org/graph/about26874.html http://www.creditmagic.org/graph/about26874.html I have been working on improving my credit score for over 2.5 years now. Finally got it up to a 690 overall and was added as an authorized user on my spouse's card. Unfortunately - my spouse had thought they set up AUTOPAY with their chase card but it did not go thru - and it went without the minimum balance paid for 2 months. I checked on my credit score and it dropped 80 points on one of them (equifax) and over 60 on another (transunion). We are trying to get chase to remove it due to the tech... http://www.creditmagic.org/repair/about26870.html http://www.creditmagic.org/repair/about26870.html I viewed my credit reports on today. I have 10 collections. I need to know which debt to pay and which to allow to fall off my credit report. They are as follows: GMAC lease opened 1999/yr $8,000 Midland Credit credit card 2007/yr $2,227 Tribute credit card 2005/yr $1,451 LVNV unknown 2011/yr ... http://www.creditmagic.org/repair/about26867.html http://www.creditmagic.org/repair/about26867.html I foreclosed on a home in 2008 and had a 2nd loan which was charged off in 2009. Now, I have myself in a better place and want to purchase a new home. I know I am cleared as far as the foreclosed date, but since I still have the 2nd loan still on my credit report stating charged off. Will it hurt me in the long run if I try to get a home loan? Do I need to pay off the debt before I can get a new loan. They never placed a judgement against me just charged off the dept. http://www.creditmagic.org/repair/about26866.html http://www.creditmagic.org/repair/about26866.html Bankruptcy was filed a couple of years ago. Garnishment came in the mail today.