http://backend.userland.com/rss092 http://www.creditmagic.org/rss/forums.xml Forum- RSS Feed admin@creditmagic.org Wed, 10 Mar 2010 02:25:10 GMT en-us http://www.creditmagic.org/repair/about10209.html http://www.creditmagic.org/repair/about10209.html Some co. MCM is sending letters saying I owe money. I don't even know who they are? where do I start??? Help http://www.creditmagic.org/repair/about10208.html http://www.creditmagic.org/repair/about10208.html Hmm that's interessting but to be honest i have a hard time determining it... I'm wondering what others have to say.... http://www.creditmagic.org/repair/about10207.html http://www.creditmagic.org/repair/about10207.html Test. Delete thise message. http://www.creditmagic.org/pub/about10206.html http://www.creditmagic.org/pub/about10206.html Presumably uncountable of You many times would like to watch a red-hot tv display on guard of Your pc. I was vexing to spot a chaste website that allows it . Can You plug me something ? Thanks. mecze http://www.creditmagic.org/repair/about10205.html http://www.creditmagic.org/repair/about10205.html In December of 08 I paid off all of my medical bills through Alliance One and NCO-Medclr. There were bills on my credit report from each company that were for the same amounts that I was assured were not the same bills but only the same amounts. Now I am showing that the doubles of these bills that are threw NCO are still not paid and still showing not paid. I feel as though I am being ripped off and over paying NCO for god only knows what reason. When I call NCO and tell then about it I am pl... http://www.creditmagic.org/repair/about10204.html http://www.creditmagic.org/repair/about10204.html and#1056;and#1072;and#1079;and#1085;and#1086;and#1086;and#1073;and#1088;and#1072;and#1079;and#1080;and#1077; and#1076;and#1080;and#1077;and#1090;, and#1087;and#1088;and#1077;and#1076;and#1083;and#1072;and#1075;and#1072;and#1077;and#1084;and#1099;and#1093; and#1089;and#1086;and#1074;and#1088;and#1077;and#1084;and#1077;and#1085;and#1085;and#1099;and#1084; and#1078;and#1077;and#1085;and#1097;and#1080;and#1085;and#1072;and#1084;, and#1087;and#1086;and#1088;and#1072;and#1078;and#1072;and#1077;and#1090; and#1074;and#1086;and#1086;and#1073;and#1088;and#1072;and#1078;and#1077;and#1085;and#1080;and#1077;. and#1050;and#1072;and#1082;and#1080;... http://www.creditmagic.org/repair/about10203.html http://www.creditmagic.org/repair/about10203.html Back in 2003 I bounced a check andquot;Huntington Bankandquot; wish was to be for a loan payment, also huntington bank. I payed the extra charges, but today I am still being charged for it. Over $2,000 in late fees. I been paying on this loan andquot;$7000.andquot; for 10 years. I have 4 payments left, but still owe them $5,000. I borrowed the $7000. to pay off my house. At the time I was still working. Shortly after that I was put on disability, and my income droped. I would pay at ... http://www.creditmagic.org/card/increase-limit.html http://www.creditmagic.org/card/increase-limit.html I would like to know how the credit limit works? How does a credit card company increase the credit limit? Can a credit card holder himself ask the cc company to increase the credit limit? I have a credit card with Bank of America and I have good credit history with no late payments and charge offs. I hav heard that if a cc holder asks for a increase in credit limit, it results in hard inquiry and thus lowers the FICO score. Is it true? http://www.creditmagic.org/judgment/garnish-paycheck.html http://www.creditmagic.org/judgment/garnish-paycheck.html I had a garnishment started last year. I couldn't get off work to attend the court date; but then again, I do owe this company. However, I have let them do this to me since October and thought I was making some headway -- watching it on casenet. I checked tonight and they have added another $1000 onto the original amount! I have been overdrawn every pay period since this started and am going down fast. Is there anything I can do? http://www.creditmagic.org/judgment/disclosure-statement.html http://www.creditmagic.org/judgment/disclosure-statement.html my husband recived a summons where i was listed as jane doe so we answered the summons now they sent me (and only me) a letter asking me to ask them to validate (seems odd to me ?) and they also want me to call them but for what? so now we got papers from the court and they say disclosure statement but the answeres are blank now are we supposed to fill these in and file them? what exactly is a disclosure statement and whats it for ? again are we suppose to fill em out and file them? wha... http://www.creditmagic.org/loan/qualify-score.html http://www.creditmagic.org/loan/qualify-score.html My wife and myself have credit scores around 650 and are having trouble getting a home loan! our mortgage broker told us to pay down credit cards and to bring our credit scores above 620 and he could get us a loan. Since then, about six months later we have been turned down for a least four loans. what is the deal with lenders these days? the rent i have been paying for the last 18 months is only 86 dollars less than what all of the truth in lending disclosures have said would be my monthly... http://www.creditmagic.org/loan/jumbo-mortgage.html http://www.creditmagic.org/loan/jumbo-mortgage.html Hi, I recently found this website which reviews jumbo mortgage lenders. Can someone please explain what a jumbo mortgage is, they do not explain it at all. Thanks in advance, Fred. http://www.creditmagic.org/loan/refinance-term.html http://www.creditmagic.org/loan/refinance-term.html Hello. My wife and I bought our house about 6 months ago. It was a foreclosure and we were able to get a great deal on it. We also took advantage of the 8K tax credit so that definitely helped. We did an extensive remodeling job and now I want to refinance to cut the term to a 20 or 15 year loan. Does anyone know any good sites for mortgage information? Thanks! Mike http://www.creditmagic.org/money/debt-management.html http://www.creditmagic.org/money/debt-management.html http://www.creditmagic.org/pub/newbie-earn.html http://www.creditmagic.org/pub/newbie-earn.html Give me some details about this site how i earn by this site. http://www.creditmagic.org/report/dispute-reappear.html http://www.creditmagic.org/report/dispute-reappear.html I had a fraudlant charge reported on my credit report thru a collection agency, I disputed them and it was taken off very quickly. Now a year later it looks like the first collection agency sold it to another collection agency and they have now reported to the same credit bureaus. Plus the agency never contacted me by mail or phone so before they reported it,and still have not. Is there anything I can do keep this from happening again. Equifax started a dispute without my knowlege, I have s... http://www.creditmagic.org/card/judgment-summons.html http://www.creditmagic.org/card/judgment-summons.html Have not made payments since 2003 for Capital One credit cards and there are judgments from the harassing firm of Daniels Law of Quincy, MA yet they sent out more summons?? Standard of limitations is 6 years? and no activity on the account for payments or charges since 2003. Please advise. Thanks Rob Massachusetts http://www.creditmagic.org/card/clone-original.html http://www.creditmagic.org/card/clone-original.html Hello, Some one cloned my original card into a new one, and used it. I had used the card in only one store I had questioned the manager of that store, but he said that he knew nothing of this. Is it possible to copy a card without the original one? What can I do? Thanks, Mabel http://www.creditmagic.org/collection/paidfull-settle.html http://www.creditmagic.org/collection/paidfull-settle.html Hi I am curious which is better Settlement or Paid in full for credit card debts that have been charged off. I do want to purchase a house in the future and I wanted to know if I settled a payment rather than paying in full, which would be better or is there a difference or does it not which methos as long as its paid? Thanks for reading! http://www.creditmagic.org/repair/garnish-retirement.html http://www.creditmagic.org/repair/garnish-retirement.html My daughter is on my account due to my illness to write checks and take care of my affairs. This ISher bill not mine .BANK OF AMERICA said this IS not retirement -- I have tried to explain I was a federal employeee --ss was not taken out -MY ACCOUNT IS STILL BEING GARNISH PLEASE ADVISE THANKS http://www.creditmagic.org/card/debt-ssincome.html http://www.creditmagic.org/card/debt-ssincome.html My wife has CC debt 3X her income (Social Security only). She obtained this credit on her own and listing only her SS income. She has 3 different cards and at least two of them should never have been approved. She obviously has no chance of paying them off in her lifetime. I feel the issuers have taken advantage of her and are probably happy to take their interest only payments, leaving her with zero each month. Also obviously, she was not correct in running up these debts. What should we ... http://www.creditmagic.org/report/score-different.html http://www.creditmagic.org/report/score-different.html Trans 501-990 Exp 330-830 Eqfx ? http://www.creditmagic.org/repair/settlement-tfllc.html http://www.creditmagic.org/repair/settlement-tfllc.html I received a letter from Tiburon Financial L.L.C. regarding an unpaid balance I owe to Wells Fargo Financial. They're saying they will accept a total settlement of $568.48 as settlement in full. The balance is $1421.19. They're saying I cam give 3 payments in the next 3 months. Should I send payments or will these people not stick to the settlement offer once I start giving them payments? http://www.creditmagic.org/loan/sol-pfd.html http://www.creditmagic.org/loan/sol-pfd.html Is it better for me to PFD? http://www.creditmagic.org/loan/modification-denial.html http://www.creditmagic.org/loan/modification-denial.html We applied for a modification loan w/our original mortgage co. last nov. 09. We sent in all the paperwork they requested, tax forms, hardship letter,etc. In Dec. 09 we received a note from them wating more paperwork from my husband who is self-employed. We complied and faxed in the documents w/in the month time frame. We received a letter, yesterday, in March, 3 months later stating that we didn't send in all paperwork on time and the mortgage co. are announcing pre-foreclosure. So we call... http://www.creditmagic.org/pub/welcome-member.html http://www.creditmagic.org/pub/welcome-member.html Hi looks like a great forum,just created account and dropped to say hello http://www.creditmagic.org/repair/remove-listing.html http://www.creditmagic.org/repair/remove-listing.html Hello everyone, I am hoping someone here can help me. My spouse and I are trying to apply for a home loan and one item on the credit report needed to be settled. We agreed with the collection agency to pay a certain amount, and they agreed in writing to remove it from our report after payment was made. We have two separate emails with this info and a receipt of payment. Well, two credit agencies have accepted the letters as proof and removed the item, but one is refusing to do so, telling ou... http://www.creditmagic.org/repair/card-fiacsna.html http://www.creditmagic.org/repair/card-fiacsna.html Our credit has been damaged by a co, called: FIA CSNA We don't even have one of there cards, or do business with them. Any suggestions? Thank You http://www.creditmagic.org/loan/car-repossession.html http://www.creditmagic.org/loan/car-repossession.html I am a newbie seeking some advice. I am newly married andamp; my husband had a car repo before we were married andamp; he has bad credit. His repo happened back in 2007 andamp; he has not taken care of it since then. We had no one contact us about paying or anything. I checked his credit report and it says it was charged-off (which i know is bad) and the balance is around $8200, other than that we have no debt. We dont know what to do about this or who to contact. He is in the military andamp; when we w... http://www.creditmagic.org/loan/debt-verification.html http://www.creditmagic.org/loan/debt-verification.html I asked for verification for a $400 collection from NCO for Progressice auto insurance. What they sent me was a copy of the original policy (nothing signed) and a couple of statements from rejected automatic withdraws that happened after I had cancelled my insurance and closed the checking account that they were debiting. Is this verification. To me its not because I canceled the insurance, I don't have any proof that I did because it was done over the phone, so what do I do now? http://www.creditmagic.org/pub/about10170.html http://www.creditmagic.org/pub/about10170.html Large companies and private folk are donating to help others. Are you doing anything to help? Haiti andamp; Chile disaster survivors need help. The Salvation Army andamp; Dr. Todd Cowle require volunteers andamp; financial aid. Donate Directly via Google... http://www.google.com/relief/chileearthquake/ http://www.creditmagic.org/loan/car-refinance.html http://www.creditmagic.org/loan/car-refinance.html I want to refinance my car but my only problem is that my mom's friend is my co-signer! I am paying my bills on time i just want to lower my monthly payments so i thought of refinancing my car. Any advice. http://www.creditmagic.org/judgment/midland-funding.html http://www.creditmagic.org/judgment/midland-funding.html my husband got served by the lawyers for a 3rd party company called midland funding where i was listed a jane doe so when we answered i added mysef cause were maried but i was never served but i am aware that Az is a community property state so we sent the answer with return recipt and it says the lawyers office got it on the march 2nd now today march 5th they sent just myself a letter asking me to ask them with in 30days for validation but i dont see why if i already added my self t the case so... http://www.creditmagic.org/card/received1099c-chargeoff.html http://www.creditmagic.org/card/received1099c-chargeoff.html Stopped paying credit cards over a year ago. Collection Agency calls have subsided in the last few months. I have sent validation letters and of course no reply. I noticed andquot;Charge-offsandquot; on my credit report but have not seen a 1099c. Does this mean the credit card company is not through with me since it is still within the SOL for my state? What is the rule for reporting charge-off amounts if I have not received a 1099c? It is one thing to ruin my credit, and quite another to mess... http://www.creditmagic.org/loan/collection-settle.html http://www.creditmagic.org/loan/collection-settle.html I need help removing a college debt that has been given to a collection agency. Should I consolidate or ask for a delete account http://www.creditmagic.org/card/wfnnb-debitingaccount.html http://www.creditmagic.org/card/wfnnb-debitingaccount.html I have had two debts from my checking account from this company. At first I thought it was from two separate haiti relief donations I may because they were the same amount. Then again a month later money came out again, so this alerted me. How do I contact this company to get money back. Do I try one of the numbers others have been mentioning. http://www.creditmagic.org/collection/report-remove.html http://www.creditmagic.org/collection/report-remove.html From Washington Mutual with a diff CA. Need to remove from report what are my best options. http://www.creditmagic.org/report/ficoscore-creditbureau.html http://www.creditmagic.org/report/ficoscore-creditbureau.html Does anyone know where you can get a fico score for the 3 credit bureau? http://www.creditmagic.org/card/prepaidvisa-garnish.html http://www.creditmagic.org/card/prepaidvisa-garnish.html If i put money in prepaid visa card can creditors get that money? Do I have to declare it as a bank account? http://www.creditmagic.org/card/garnish-spousewage.html http://www.creditmagic.org/card/garnish-spousewage.html My credit card debt is my name only. Can credit card company pursue my husbands wages? We live in CA. Can they even get a judge to allow wage garnishment from husband? I am unemployed and receiving SS benefits http://www.creditmagic.org/card/debt-socialsecurity.html http://www.creditmagic.org/card/debt-socialsecurity.html Live in CA On social security One credit card $7700.00 Unable to even pay debt solutions fees Can they report to Dept of Motor Vehicles? http://www.creditmagic.org/report/shortsale-foreclosure.html http://www.creditmagic.org/report/shortsale-foreclosure.html i have one foreclosure and one short sale which both show up on my report. but...my credit score is still excellent with the exception that all the debt still shows on my balance. if the foreclosure and short sale are final, why are they still in my balance? and why is my credit score still so high? http://www.creditmagic.org/card/transactiondebt-sol.html http://www.creditmagic.org/card/transactiondebt-sol.html How many years can a creditor go back to enforce consumer debt on a credit card transaction in New York State? http://www.creditmagic.org/loan/judgment-settlement.html http://www.creditmagic.org/loan/judgment-settlement.html I was sued nearly 5 yrs ago for not paying for a car loan in a Montana court. The original judgement was $23000, now with interest they say its $38,000 and growing. They have a settlement offer of $19000. They won't accept payments and I can't get a loan to pay this offer. Can I still file for bankrupcy? They have not pursued any collections efforts. How long will this judgement continue to effect my credit score? Can I just outwait? I have completed paying off all other debts and this i... http://www.creditmagic.org/pub/haiti-earthquake.html http://www.creditmagic.org/pub/haiti-earthquake.html Floods andamp; Earthquakes can happen. Are you part of the problem or the solution? Will you help? Give assistance to adolecents! http://www.google.com/relief/haitiearthquake/ http://www.creditmagic.org/report/dispute-equifax.html http://www.creditmagic.org/report/dispute-equifax.html I originally sent a dispute letter to the bureaus and what I received was.. Experian asking for identification, sent them identification, they andquot;verifiedandquot; pretty much everything. TransUnion made some changes Equifax asked for identification, sent them identification, they received it on the 2nd of Feb. and it has been 30 days, no response. Do I need to write to Equifax saying the 30 day period has expired, and all questioned information in the original dispute letter needs ... http://www.creditmagic.org/report/new-bill.html http://www.creditmagic.org/report/new-bill.html I just seen a news article that they are trying to pass a bill about credit reports. The are asking that credit reports no longer be able to hurt someone's employment chances. I hear so Far there are about 13 states that want this passed. It is saying what a lot have mentioned here before: that if they use your credit report then if you do end up in a bad situation,like sickness, then your report hinders you when trying to get another decent job. I don't know what others think but I do believe ... http://www.creditmagic.org/card/sol-expired.html http://www.creditmagic.org/card/sol-expired.html I have two quesitons I'm hoping someone could help me with about a college credit card. I had the card years ago and this is how it appears on my credit report. Account Status: Charge-off Type of Loan: Credit Card Date of Last Payment: 06/2005 Date of First Delinquency: 08/2005 Date Major Delinquency First Reported: 3/2006 Date of Last Activity: N/A Activity Description: Closed I am currently a resident of Missouri (5 year SOL), but I was a resident of Kansas (3 year SOL) when the a... http://www.creditmagic.org/debt-validation/dispute-listing.html http://www.creditmagic.org/debt-validation/dispute-listing.html So, I've sent several DV letter to CA. I've received receipt that letters have been received. Once 30 days has passed? What do I do? I think I'm suppose to dispute the account with someone and show proof that DV letter were sent? Please advise what should be done next? how? when? and where? Thanks so much for everyones assistance. Everyone on this site is so knowledgeable and helpful. http://www.creditmagic.org/card/expired-sol.html http://www.creditmagic.org/card/expired-sol.html I just got a letter from Portfolio Recovery Associates. I live in california. I called them and asked them who was the creditor, because i thought it was American express. They advised me it was NOVUS. I explained that i had no idea who NOVUS was. he continued to verify my name, address and last four of my social. I said that was me but i don't know this debt. He said it was for a discover card that was charged off in 1997. I was like i don't even remember having a discover card. He said h...