http://backend.userland.com/rss092 http://www.creditmagic.org/rss/forums.xml Forum- RSS Feed admin@creditmagic.org Fri, 20 Nov 2009 22:15:24 GMT en-us http://www.creditmagic.org/repair/about9152.html http://www.creditmagic.org/repair/about9152.html in CA. can a creditor obtain a judgment for credit card debt and have a lein or force the sale of a second property to satisfy the judgment . http://www.creditmagic.org/repair/about9151.html http://www.creditmagic.org/repair/about9151.html now I know it.. http://www.creditmagic.org/repair/about9150.html http://www.creditmagic.org/repair/about9150.html Hi! In 1995 (1/6/95) I move from NY to SLC, Utah (almost broke), I left some credit cards debts pending.( I didn't notify change of address, because I didn't know where I should be, I was in Utah with friends in different places ). The persons in my old address were students they didn't give any news about any mail to me when I asked for. Seems from one of those debts I get a judgment in april /2001 for $3,500, I am not sure about this amount I think is too much,I don't have any kind of... http://www.creditmagic.org/loan/about9149.html http://www.creditmagic.org/loan/about9149.html So, I've been thinking about my options on repaying my debt. I'm on the road [very long road] to becoming debt-free [besides mortgages] andamp; I was wondering what you all thought about this idea that I had. I'm sure other people thought about it too, but I personally have been really thinking about it here lately. First of all, I always read andquot;NEVER pay JUST the minimum payment unless you REALLY can't afford to pay moreandquot;. This is to pay the interest down. Right ?? But then I tho... http://www.creditmagic.org/repair/about9148.html http://www.creditmagic.org/repair/about9148.html My wife has had an account with Next for around 6 years, it started at £800, over the years this went up untill it got to £3500. We have never maxed out this account, it always stays around £500 -£1000. This morning we received a letter saying our credit limit had been withdrawn due to a recent credit search. this of course put my wife over her credit limit. We paniced and checked both my wifes and my credit score(though i am not on the next account). My wifes credit score was andquot;GOO... http://www.creditmagic.org/repair/about9147.html http://www.creditmagic.org/repair/about9147.html Individuals with absurd credit histories often suffer unfairly from high mortgage, insurance, and car loan rates. On top of that, they have difficulty getting approved for credit cards. The whole situation can get extremely frustrating. Frequently, I get emails from consumers wondering what they can do to rebuild their credit. The first thing I tell them is to get a credit card designed for people with bad credit. The second thing I tell them is written in bold: READ THE... to gather further ... http://www.creditmagic.org/repair/about9145.html http://www.creditmagic.org/repair/about9145.html I know social security can only be attached for Federal debt, but what about railroad retirement? If it is your only form of income can creditors such as payday loans and credit cards attach your benefits and if so at what percentage? http://www.creditmagic.org/repair/about9144.html http://www.creditmagic.org/repair/about9144.html I can retire and payoff nearly all my bills and Cards,that I cannot pay right now. (and woefully late on)I am still paying my house and equity loan on time,,cards not so much just sending very minimal payments and getting behind every month more and more. Know that if I take a lump sum from my retirement that I will have to pay taxes on all that I receive....Sticky situation..please help jim.( starting a new job after 48 is undesirable) http://www.creditmagic.org/repair/about9143.html http://www.creditmagic.org/repair/about9143.html I paid off all my debt. I want to clear my credit report of as many things as possible. I have charge offs. I have things that i paid still showing a balance or that it's still active. I want it to be cleaned up. Please help. http://www.creditmagic.org/repair/about9141.html http://www.creditmagic.org/repair/about9141.html If the IRS says I owe back taxes on a debt that is not listed on my credit report and the original creditor doesn't validate the debt. What can I do? http://www.creditmagic.org/repair/about9140.html http://www.creditmagic.org/repair/about9140.html Hello, If I am going to dispute a collection should I do it with the credit bureau as well as write a letter to the collector asking them to validate the debt? Or should I just dispute with one? And if one, which one is better to start with? OH, and BTW, I found out when I got my credit reports that this debt is showing as a public record filed with the court in my district! I live in Michigan. How should I proceed? Thank you very much. Any help with this is truely appreciated. Smiles, Jacki http://www.creditmagic.org/repair/about9139.html http://www.creditmagic.org/repair/about9139.html Thanx for this beautiful place in internet!!! http://www.creditmagic.org/repair/about9138.html http://www.creditmagic.org/repair/about9138.html I have small business,Bad times. Bank offered me very good credit and it,s gone, as things got worse . One thing I should not have bought iwas TV $400 can they ask it back. My landlord doesn't allow me to sell business sothat can't help. it will go just go. nobody is buying just now especially just the merchendise. I own an apartment part of a corperation can they take it. I have been using my SS to get by. should I tell the bank manager that I am out and broke. They will be angry that the... http://www.creditmagic.org/repair/about9137.html http://www.creditmagic.org/repair/about9137.html I have 9 outstanding payday loans which I can not pay off at the present time. Is there any company out there that can help me by consolidating these debts? They total a little over $5000 but the high interest is making that go up quickly. Please let me know.... http://www.creditmagic.org/repair/about9136.html http://www.creditmagic.org/repair/about9136.html I have a negative credit on my cr from them however I can't find an address or telephone number for them. On my cr it doesn't say who or what the debt is for http://www.creditmagic.org/repair/about9134.html http://www.creditmagic.org/repair/about9134.html How many days do the collection agencies have to respond to my debt validation letter? I spoke with them and said that tomorrow will be 30 days and she told me it's still in andquot;processandquot; and that they don't have to repond within 30 days because I requested it. http://www.creditmagic.org/repair/about9133.html http://www.creditmagic.org/repair/about9133.html I did browse the forum. I am in NC. I have received a call from Falzone Law Office in NY. The person I speak to goes through a lot of andquot;legaleseandquot; concerning a debt. He gave me a 3 day deadline to pay a debt before andquot;actionandquot; would be taken. I would not agree without a debt validation letter. Initally, he would not agree. I sent a certified letter to the address listed on BBB website. It was never accepted and was returned to me unclaimed. In the meantime, I received a letter f... http://www.creditmagic.org/repair/about9132.html http://www.creditmagic.org/repair/about9132.html i had a corporate credit card back in 2003 charged off. the company selected individual accountable, so it had been reflected on my credit. last month the same company posted a new delinquent charge. there was not any change in the account activity. is this legal? also, how should i proceed? i am willing to pay the money owed, but will that reinitiate the 7 year period? http://www.creditmagic.org/repair/about9131.html http://www.creditmagic.org/repair/about9131.html mY MOM HAS PUT HER HOUSE AND LAND IN MY SISTER AND MY NAME...WILL THIS HELP WITH ANY FUTURE CREDIT SCORES OR FINANCING A CAR...ETC??? http://www.creditmagic.org/repair/about9130.html http://www.creditmagic.org/repair/about9130.html So, my husband has several accounts that were in collections, but have since been paid off. They have no balance, according to his credit score, but they are still there. Are they hurting his score, and how can we get them removed? http://www.creditmagic.org/repair/about9129.html http://www.creditmagic.org/repair/about9129.html A friend of mine (seriously) recently tried to get a bank loan and found out he had $30,000 in past hospital bills dating back to 1995!!!! He was on Tennessee's Health Care System (TENNCARE) and assumed all debts had been paid since he hadn't received any bills and never had any monies garnished from his check. His credit is in shambles! Please let me know how he can get this taken care of so he can go on with his life! http://www.creditmagic.org/repair/about9128.html http://www.creditmagic.org/repair/about9128.html Ask credit questions ...Can a credit card company that has a judgement on the husband garnish rental income from property that is jointly owned? http://www.creditmagic.org/pub/about9127.html http://www.creditmagic.org/pub/about9127.html Can a credit card company that has a judgement garnish rental income from property that is jointly owned? http://www.creditmagic.org/repair/about9125.html http://www.creditmagic.org/repair/about9125.html I went to a car dealer that claims they use transunion as there credit scoring and they tell me my score is 680 But i went directly to transunion and they say my score is 727 what gives? http://www.creditmagic.org/repair/about9124.html http://www.creditmagic.org/repair/about9124.html I am on SS - my only income - and have no bank accounts or property. I have a 3 year old judgment against me from a Credit Card Bill I couldn't pay. IF I won $10,000 on a slot machine or in a state lottery (I live in New York State) would the creditor take the money immediately? I know back child support is subject to this type of income. I'm old so that doesn't apply!! Thank You. http://www.creditmagic.org/repair/about9123.html http://www.creditmagic.org/repair/about9123.html I have a judgment against me for a credit card debt. I lost my last 2 jobs - lay offs - and was forced to take my Social Security earlier than I hoped to survive. I have no other income or own any property. Two questions: 1. If I have a joint checking account with my wife can the creditor put a HOLD on the account? 2. I have no wages or employer. IF I won $10,000 on a lottery ticket or at slots can they take that money? I'm in a bad situation at the moment and any HELP would be... http://www.creditmagic.org/repair/about9122.html http://www.creditmagic.org/repair/about9122.html One generic question for the forum- How to Enjoy Debt Free living? Can anyone provide any examples . As its very important that some information regading this may help each and everyone in the forum a lot.. Please share thoughts. http://www.creditmagic.org/repair/about9121.html http://www.creditmagic.org/repair/about9121.html i AM STUDENT. I WANT A STUDENT LOAN. bUT I DONT KNOW THE REQUARMENT FOR THAN. pLEASE HELP ME. http://www.creditmagic.org/repair/about9120.html http://www.creditmagic.org/repair/about9120.html I need a elliptical trainer or any other good excercise machine, to use at home. are there any websites where i can purchase this item? so i can work at home. as this is the most excellently offering to buy as it work all the body. http://www.creditmagic.org/repair/about9119.html http://www.creditmagic.org/repair/about9119.html Hey there Everybody im new here and neutral figured it make known myself before i jumped into any conversations. http://www.creditmagic.org/repair/about9118.html http://www.creditmagic.org/repair/about9118.html I HAVE A LARGE AMOUNT OF CREDIT CARD DEBT THAT I AM REPAYING WITH MONTHLY PAYMENTS. I AM LOOKING FOR THE CORRECT SOLUTION TO RESOLVE THIS DEBT. DO I CONSOLIDATE IT OR GO THROUGH DEBT COUNSELING TO SETTLE IT? WHAT IS THE BEST SOLUTION? http://www.creditmagic.org/repair/about9117.html http://www.creditmagic.org/repair/about9117.html 2years ago I moved to the US and like a good person I kept up with paying my debts in the UK. I have a year and a half left to pay on a loan with barclaycard and I recentely tried to get in touch with them to find out how much is left outstanding on the loan. They updated their systems in the past 2 years and habe no record of me, my old or new address or even the account number for the loan. I've spoken to everyone in Barclaycard to try and get this info but they have no info on me or my lo... http://www.creditmagic.org/repair/about9116.html http://www.creditmagic.org/repair/about9116.html http://www.creditmagic.org/repair/about9115.html http://www.creditmagic.org/repair/about9115.html An old AMEX credit card debt opened with ss# was andquot;charged offandquot; last month by AMEX and sold to a junk debt buyer. I just pulled my credit report this week and there the debt is not listed anywhere. I was expecting to see AMEX listed with a $0 balance because it was opened with a personal ss#. Does it now show on a credit report because it was a small business cc? Is there any way to look at this type of debt? I wanted to look at the date of last activity. http://www.creditmagic.org/repair/about9114.html http://www.creditmagic.org/repair/about9114.html I got an offer to pay my debt on a credit card. They said they will take off 40% of the debt, and consider it Paid In Full. Is it better to go ahead and pay the lesser amount, and have a Paid In Full noted on my credit report? Or should I arrange to make payments on the full amount? I want to do which ever will improve my credit score the most. I don't know if it'd be best to pay in full at a lesser value, or establish a payment history until I pay the entire amount. http://www.creditmagic.org/repair/about9113.html http://www.creditmagic.org/repair/about9113.html Is it a good idea to get help from credit counseling? I heard it looks bad on your credit report if you are enrolled in these programs. Is it better to try and make the payments on your own? http://www.creditmagic.org/repair/about9111.html http://www.creditmagic.org/repair/about9111.html http://www.creditmagic.org/repair/about9110.html http://www.creditmagic.org/repair/about9110.html I found a site that states if you give them $3000.00, your statement payment + $43.00 they will make the paymt on your account with their check stating they are the new owners of this account and if cashed the bill is paid in full and that the credit card company now has a contract. Once the check is cashed you are free from it and they take it over??? Could this be true??? The name of the company is: Integrity Debt Relief Group. Have you heard of them?? http://www.creditmagic.org/repair/about9109.html http://www.creditmagic.org/repair/about9109.html I hold a private mortgage through my parents which is not being properly reported to credit bureaus. How can I get my 3 years of on time payments reported to help improve my credit? http://www.creditmagic.org/repair/about9108.html http://www.creditmagic.org/repair/about9108.html I need to get a loan large enough to purchase a house and consolidate credit card debt at the same time and with little down payment. Friends have told me they have purchased homes in this same manner...sometimes with no down payment... I've never purchased a home before and therefore am clueless ...how does this work?? I know there must be andquot;penalty feesandquot; involved for not having a sufficient amount of down payment. http://www.creditmagic.org/pub/about9106.html http://www.creditmagic.org/pub/about9106.html Hi. Please, give me some info about actual now loans sites.With best regards, Kirljeoclor http://www.creditmagic.org/repair/about9105.html http://www.creditmagic.org/repair/about9105.html I recently had my wages garnished with no prior notice given to me. This garnishment resulted from deliquent car payments. I live in Tennessee. Is this legal? Thanks http://www.creditmagic.org/repair/about9104.html http://www.creditmagic.org/repair/about9104.html I recently paid off several collections and although they are currently showing as $0 balance on my credit reports, I am desperate to have the items removed permanently. Can anyone make any suggestions? Is there anything I can do? My Current scores are: Experian- 574 TransUnion- 592 Equifax- 595 I just need to do anything to get my scores at least to 600. I have been repairing my own credit for almost a year now and I've pretty much seen everything, but this has really stumped me. I hav... http://www.creditmagic.org/repair/about9103.html http://www.creditmagic.org/repair/about9103.html Does anyone think that it is worth filing for bankruptcy just over past medical bills alone? I just read a Harvard study that stated that over half of all bankruptcy filings were due to past medical bills. The even crazier part to it is that of all of those, over 70% thought they had good medical insurance! http://www.creditmagic.org/graph/about9102.html http://www.creditmagic.org/graph/about9102.html Hey everyone just wanna say hello and introduce myself! http://www.creditmagic.org/loan/about9101.html http://www.creditmagic.org/loan/about9101.html Can some please tell me how to dispute a credit agencys report which says I owe a bill from Assett collections LLC that became past due in 2008 when they have a different acct. number from the original creditor they bought it from. Which was 2004. It was beneficial and then HSBC and then Asset collections, and now I guess they sold it to Midland credit. All the dates are wrong. I have sent out validation letters on the 27th of October by certified mail, and the got them on the 30th of Oct. The o... http://www.creditmagic.org/repair/about9100.html http://www.creditmagic.org/repair/about9100.html A judgement was placed on my account. I have been negotiating with someone about this debt for the last week and now there is a judgement on my account. Will they still negotiate or once the judgement is placed, is it done? I live in NY http://www.creditmagic.org/repair/about9099.html http://www.creditmagic.org/repair/about9099.html Hey there everyone i was just introduceing myself here im a first time visitor who hopes to become a daily reader! http://www.creditmagic.org/repair/about9097.html http://www.creditmagic.org/repair/about9097.html When filing bankruptcy, do I have to list every single debt I ever had even if they have fallen off of my credit report? If the debt has gone to a collection agency, do I just list the agency and not the original creditor? http://www.creditmagic.org/repair/about9096.html http://www.creditmagic.org/repair/about9096.html I received a discounted payment offer from AFNI debt collectors for the cost of an old Verizon bill. The settlement is only $50...and it was $243 originally. My credit is shot anyway and I have been waiting for my 7 year mark so my credit can start improving. I can't even get a secured credit card since my credit is soooo tore up from all my unpaid credit (came out from Afghanistan and got out of the military and divorced and never made another payment on anything...wasn't really too right in ...