http://backend.userland.com/rss092 http://www.creditmagic.org/rss/forums.xml Forum- RSS Feed admin@creditmagic.org Sat, 04 Feb 2012 07:45:51 GMT en-us http://www.creditmagic.org/repair/about26837.html http://www.creditmagic.org/repair/about26837.html Help! I'm a little unsure what to do. I'm settling with my mortgage lenders and have an opportunity to delete the tradelines. However, their attorney was saying that it may be better for my credit score to have the tradeline go into a andquot;paidandquot; state (even if there's a history of 180 late payments) than have it deleted. Is this true? Also, on my primary mortgage, it also says 180 late--should I try to get that tradeline wiped and just start fresh? (Both lenders have mortgage about 6 years... http://www.creditmagic.org/repair/about26832.html http://www.creditmagic.org/repair/about26832.html After you have paid 60 payments on your loan and it has matured, can the bank repossess your car for back fees. They want me to make regular payments until the rest is paid and finished. Is this legal? http://www.creditmagic.org/repair/about26828.html http://www.creditmagic.org/repair/about26828.html My husband defaulted on his credit card by 150 days back in 2010, in that same year his account was sent to a debt collector and since June 2010 we agreed to have the payment taken directly out of our checking account. For the first couple of months the monthly payment was higher to cover the past due amount and then the payment dropped once the past due's amount was reached. So 20 months have gone by and now the credit card company has issued a andquot;charge offandquot; for January 2012 stating th... http://www.creditmagic.org/loan/about26817.html http://www.creditmagic.org/loan/about26817.html Good Evening all, I went through a divorce 2 years ago, the house went into foreclose. Anyhow the 2nd mortgage was andquot;charged offandquot;, I received a letter from a collection agency tonight. My question, I'm sending them a VOD request as I do not recognize the name it says is the debtor we had the 2nd with. Do they need to provide, the original creditor? Do I ask for signed copies with my name and my ex's? I was told not to file bankruptcy as I was paying what debit was given to me. ... http://www.creditmagic.org/repair/about26811.html http://www.creditmagic.org/repair/about26811.html I have a car and the loan was charged off over 2 years ago. I still have the car and have contacted the finance company a few times hoping to work something out. I never get anywhere with them and don't know what to do. I have a job and can make payments but they are not interested since they have already charged off the loan. What can I do to work something out so I can stop worring about this. http://www.creditmagic.org/repair/about26810.html http://www.creditmagic.org/repair/about26810.html This July 2012 will be 4 years since our HELOC was charged off. SOL for California is 4 years. Will I be able to buy a house? My credit score is still only 597. We have had great credit for the past 4 years. http://www.creditmagic.org/repair/about26809.html http://www.creditmagic.org/repair/about26809.html I have an old account from First Premier which was charged off. I sent them a PFD letter, and they responded telling me to contact First National Collection about the account. I then received a letter from First National...This letter says andquot;FNC as acting agent for First Premier Bank has agreed to accept 500.00 as settlement in full on the account.andquot; andquot;Upon clearance of your payment we will notify our client so they can update their records accordingly, as well as update the pro... http://www.creditmagic.org/repair/about26804.html http://www.creditmagic.org/repair/about26804.html I had a creditor seeking a 7500.00 judgement aganst me. Went to court and had a jury trial, jury found in my favor (defendant). the judge dissmisd the case. can creditor persue further legal action?. its on my credit report as over 180 days late. what can I do ?. m. http://www.creditmagic.org/repair/about26785.html http://www.creditmagic.org/repair/about26785.html For whatever reason this is where I am at: Very low income (student) married for 2 years: only 1 joint checking acct Boeing ECU: CO Balance shows $0 was $2500 DOFD 10/2006 DOLA N/A Defense Finance and ACCT: CO Balance $2865 DOFD 2/2011 DOLA N/A Macy's: 120 PD Balance $892 DOFD 7/2006 DOLA N/A Midland CM (OC=Zales) Balance $547 DOFD 12/2007 DOLA N/A US BANK... http://www.creditmagic.org/repair/about26780.html http://www.creditmagic.org/repair/about26780.html I got a strange email from an ex roommate who owes me money asking for my address so she could andquot;wireandquot; the money to me. She recently had a judgement filed against her by our former landlord for past rent due him. I suspect she is going to try to file against me, hoping I won't show up for court and get an automatic judgement against me. I have moved out of state and did not give her my forwarding home address, just a P.O. Box. btw, I do not owe her any money, so it would be a frivol... http://www.creditmagic.org/repair/about26775.html http://www.creditmagic.org/repair/about26775.html I've been trying to remove late pays I have on an old account that I settled out. What is the best strategy to go about this? http://www.creditmagic.org/repair/about26772.html http://www.creditmagic.org/repair/about26772.html So long story but like many others I am a single mother who ended a relationship with my credit in despair. Now after a year I have stabilized financially and able to start building myself back up. I started by pulling my credit report after now the work begins. I am embarrassed to admit my score dropped from the 600s to now 498! It appears that I have approximately 98,000 in debt...3500 in hospital bills turned over to debt collectors, 1,500 in other random debt collection bills. The remaining... http://www.creditmagic.org/repair/about26769.html http://www.creditmagic.org/repair/about26769.html Overwhelmed with the debt, I don't know where to begin. Most of it is 2years and older. Including credit cards from when I first turned 18, tmobile bill, and hospital bill. Please help! http://www.creditmagic.org/pub/about26768.html http://www.creditmagic.org/pub/about26768.html Hello I am a single employed mother of two and I have bad credit. Most from when I first turned 18 and thought it would be cool to have a credit cards, andamp; a cell phone, but not really thinking about how the heck I would be paying it all. I want to fix my credit but I feel so in debt that I don't know where to begin. Please help, I'd greatly appreciate it! http://www.creditmagic.org/pub/about26762.html http://www.creditmagic.org/pub/about26762.html My wife and I are 60 years old and both of us lost our jobs 2 years ago .We coiuldn't pay our Credit card billls .Now we have to go to a hearing .What do you think will happen .This is new to us and we are pretty scared.Thank you . Pat http://www.creditmagic.org/repair/about26758.html http://www.creditmagic.org/repair/about26758.html My car loan has been paid. Made 72 pymts. Now they want $2500 more, stating this is interest. I made all my pymts and dont understand why they want more money. I even paid all late fees and they are placing interest on top of late fees. They are threatening to charge off my account. What should I do. They hang up on me all the time and nobody ever explains why I still owe all this money. HELP!!!! http://www.creditmagic.org/repair/about26757.html http://www.creditmagic.org/repair/about26757.html I am paying down some debt to better my debt to income ratio. How important is it to pay down the overdraft credit line I have with my checking acct? Or should I focus on credit cards.thanks Brian http://www.creditmagic.org/repair/about26753.html http://www.creditmagic.org/repair/about26753.html BOA acquired my mortgage from Wilshire Credit (out of biz) since the aquisition, both items for the same loan are listed on my report? How do I get Wilshire off? http://www.creditmagic.org/pub/about26749.html http://www.creditmagic.org/pub/about26749.html My name is Titus. I too have bad credit. Looking to get a handle on it in 2012 http://www.creditmagic.org/repair/about26746.html http://www.creditmagic.org/repair/about26746.html Here is the situation. About four years ago, I moved to Europe. I had three credit cards in American with two different companies..only because two of my credit cards were sold to another company from my original company....while they were current. Anyway, early last year, I started having financial difficulties. I called the company whom I had two credit cards with and told them about my financial situation. I was toldandquot; Well pay what ever you canandquot;. They even modified my log ... http://www.creditmagic.org/repair/about26726.html http://www.creditmagic.org/repair/about26726.html I signed for an RV with my ex. We broke up 5 years ago but remain friends. My ex has solely made all payments, on time for the last 5 years. Is ther anyway to remove me from that loan? It is negative in equity so a re-fi is not possible. http://www.creditmagic.org/loan/about26722.html http://www.creditmagic.org/loan/about26722.html I am an Australian citizen and I moved to the UK 11 years ago but I left a number of outstanding debts in Australia. I am planning on moving back to Australia and am unsure about what happens to my debts.Are they wiped off after a certain amount of time? (They are small credit card debts) .Any advice would be appreciated. http://www.creditmagic.org/repair/about26718.html http://www.creditmagic.org/repair/about26718.html Can I change accounts but stay with the same bank in order to stop the payday loan while I get a debt consolidation loan? http://www.creditmagic.org/repair/about26713.html http://www.creditmagic.org/repair/about26713.html I HAVE BEEN TRYING TO LOG ON FOR ABOUT 2 HRS. AND HAVEN'T BEEN ABLE TO. WHEN I PUT IN MY S/S NUMBER IT COMES BACK THAT IT IS WRONG. WHEN I PUT IN MY BIRTH DATE IT TELLS ME THAT IT IS WRONG. I TRIED TO REREGISTER THAN IT STATES THAT I HAVE ALL READY SIGNED UP. I AM TRYING TO REPORT THAT I THINK BANK OF AMERICA SCREWED UP; THEY ARE TRYING TO SAY THAT I HAVE HAD 22 LATE PAYMENTS THERE IS NO WAY IN HELL THAT I EVER MADE A LATE APPT. AND EVEN IF I DID IT WOULD NO MORE THAN 1 OR 2 AND I DON'T THIN... http://www.creditmagic.org/repair/about26706.html http://www.creditmagic.org/repair/about26706.html A CA just reported to my credit report on a account from 2008. Now I have called the CA to ask about it since I had no clue about the account. After speaking to the lady for a couple of minutes and getting some facts about the matter. She informs me that she can not send me anything or do anything because they are not able to collect in my state. She said the only thing she can do is take a payment from me and mark the account paid in full. What do I do now? Dispute it, send a DV or DFP? The amo... http://www.creditmagic.org/repair/about26705.html http://www.creditmagic.org/repair/about26705.html Hello All, I was served a summons from a creditor, however the address listed on the complaint for this plaintiff is different from the address on the summons. One address is in FL an the other in DE though plaintiff name is the same. Can this be disputed? Thanks http://www.creditmagic.org/repair/about26702.html http://www.creditmagic.org/repair/about26702.html i owe 6000.00 on a credit bill. only receive ss and pension, can they be garnished? http://www.creditmagic.org/repair/about26700.html http://www.creditmagic.org/repair/about26700.html Midland Credit Management -- how to stop them from sending my debt to credit bureau? Midland Credit Management has purchased my debt from another collection agency. It does not show up in their system yet. I am trying to find out how to stop them from sending it to the credit bureau. Here are a few facts -- 1. The debt pertains to my phone bill from 2006 from state of PA. The SOL in PA for contracts is 4 years. So the debt is past SOL. The prior collection agency has it on my cred... http://www.creditmagic.org/repair/about26698.html http://www.creditmagic.org/repair/about26698.html Need to know what happens to car title when written off? Car was left to me in will, but loan place said balance to even though insurance was supposed to pay of upon death. Now company has charged off the car, but refuses to give title to me. But says it is mine. What can I do to get the title in my name, if anything? http://www.creditmagic.org/repair/about26695.html http://www.creditmagic.org/repair/about26695.html i currently have my car and been paying on my auto all year long. i have been recently going to the website and paying my loan. this september 2011 was my mature date but i have been paying a balance still and was going to the website and paying but this time i went and logged on and my account says charge off and call customer service. can u help me on what to do before i call them or suggestions? http://www.creditmagic.org/repair/about26692.html http://www.creditmagic.org/repair/about26692.html Hi, my husband and I have raked up roughy $33,000 in credit card debt due to him being unemployed for almost 3 years. He's back to work now, so we are chipping away at the debt. Our credit scores are roughly 600 (give or take a few points). We are coming into inheritance money from my grandfather, and it will be enough to pay off all of our credit card debt in one payment, and put away enough for a downpayment on a hou... http://www.creditmagic.org/repair/about26690.html http://www.creditmagic.org/repair/about26690.html After I file, can I use the paper I file to sent to the employer to stop the garnishment of wages against me or do I need to get another form. I am filing bankrupcty on my own. http://www.creditmagic.org/repair/about26689.html http://www.creditmagic.org/repair/about26689.html I closed 3 credit cards in June 2005 and shredded the cards. They still remain open/current/revolving on my credit report. I no longer have the account numbers. Please advise on how to close these accounts again. http://www.creditmagic.org/repair/about26686.html http://www.creditmagic.org/repair/about26686.html Hey guys, I recently got a new job and during the hiring process they ordered a credit report. There were quite a few things on there that weren't mine needless to say I got those removed fairly easily however I did find 2 medical collections (for which I had never been billed). One was just for the copay, the other was not covered by the insurance. I'm talking with the insurance company to get that covered and then I will try a PFD. I wanted to start the process of buying a home within ... http://www.creditmagic.org/loan/about26682.html http://www.creditmagic.org/loan/about26682.html I received a court summons stating that I need to respond with my written answer to a petition filed on behalf of Portfolio Recovery Associates. The original creditor has written off the loan and it must have been purchased by Portfolio. The person with the summons, said I could call and work with the people listed on the summons to work out payment, and that I needed to answer the petition. I know I need to answer the court, to avoid a judgement, but what kind of things do I need to put in t... http://www.creditmagic.org/pub/about26672.html http://www.creditmagic.org/pub/about26672.html I was laid off 2 years ago and I am still struggling to find something FT and perm. I am worried that the unfortunate events of my past are now haunting me on my report. Is there a way to legally have these removed, so I can somehow get a job again? I am so distraught right now, I can't see straight! http://www.creditmagic.org/repair/about26666.html http://www.creditmagic.org/repair/about26666.html My husband and I have been trying to clean up our credit. We are trying to raise our credit scores. I signed up with this credit repair/counseling service named CareOne. So, far I have not seen any suspicious activity. They have sent me a copy every month of the creditors that they have paid, the agreements they reached with the creditors and an itemized list of how my funds are disbursed. Very impressed if I must say so myself. However, the problem is my husband, they really can't help him caus... http://www.creditmagic.org/repair/about26657.html http://www.creditmagic.org/repair/about26657.html Would like to know if I am a co-owner (NOT co-signer) on a car loan, is it possible to remove the other person on the loan? If so, how do you go about doing that? Any help would be great! Thanks!! http://www.creditmagic.org/repair/about26654.html http://www.creditmagic.org/repair/about26654.html Hi all. As an introduction I moved to Los Angeles when I was 22. I got a secured credit card with Bank of America with a $500 limit. I was young, and it was a pretty crazy time in my life, so in between moving I forgot about this card when I updated my address with BoA and to make a long story short with about $300 on the card it got charged off in 2008 with the balance at $848 (in accrued fees and charges). I also forgot about my Time Warner cable bill and this balance of $191 was sent to co... http://www.creditmagic.org/repair/about26648.html http://www.creditmagic.org/repair/about26648.html DOES ANY KNOW IF CHARTER ONE BOUGHT OUT A COMPANY CALL AMERICAN CREDIT SERVICES INC. ? http://www.creditmagic.org/repair/about26646.html http://www.creditmagic.org/repair/about26646.html I live in Phila, PA and I have been getting phone calls from a andquot;PA Federal Agencyandquot;(thats what they said their name was), they always come up as andquot;unknownandquot; so I can't call them back. Anyway, apparently I took out a payday loan 6 months ago. I just recently used the payday loan service on 11/18/2011, this was the first time I have EVER used this type of service. They are saying that they are going to have me arrested for fraud. I have asked them on numerous occasions for their p... http://www.creditmagic.org/repair/about26639.html http://www.creditmagic.org/repair/about26639.html Hi everyone. I'm getting myself confused over recommendations for how to handle some old medical debts. I've three items showing up on my credit report each for about $250. They all have dates opened and placed for collection in 2006. Paying that in full isn't a problem, but if possible I'd like to get them off the reports. What's the best course of action in this situation? http://www.creditmagic.org/repair/about26634.html http://www.creditmagic.org/repair/about26634.html If I file Chapter 13 in CA will my wages be garnished if they are not being garnished now? Will my name be published in newspapers or on the Internet? http://www.creditmagic.org/loan/about26631.html http://www.creditmagic.org/loan/about26631.html I recently found out that chase collected on chargeoff account that was already paid in 2008 . I paid it at wamu and had account with them for almost two yrs after until 2009 and that account fell into a negitive balance because of lost of empolyment. so they sent me collections notices for one account and when i opened an account with chase they took the amount for the account that already paid and had never notified me. I was always wondering why they took so much and continuing to ask for... http://www.creditmagic.org/repair/about26622.html http://www.creditmagic.org/repair/about26622.html I am now in tyhe USA, moved here 3yrs. The company seem to have traced my address, they sent me an email instructing me to pay in full or action will be taken through the courts with the next seven days can they do this? I am considering to make them a monthly payment, just started working. What would you suggest? http://www.creditmagic.org/repair/about26614.html http://www.creditmagic.org/repair/about26614.html I just recently got my credit report and there in 6 different collections on there with no phone numbers not even the name of the collectors or creditors no information that would help I just recently decided to take control of my credit how do I do this with out knowing who these people are who say I owe them money it looks something like this Collection(499ydoc789w) half an account number and a dollar amount that I owe but i dont know who they are and have no number to call and check it out ... http://www.creditmagic.org/repair/about26611.html http://www.creditmagic.org/repair/about26611.html Since after receiving summons to try to work out a settlement. It is all rediculous.....credit card..chgs were 450.00..paid in 869.00 and the res..and late chgs.totaling..2800.00. Received sivil summons...called and tried to work out settlement...I am out of work...and said 1600.00 within 30 days.....or they would accept 50.00/mo on the 2800.00....with a judgement. What can I do???? I guess I made a mistake calling...I was just trying to do the right thing. http://www.creditmagic.org/loan/about26610.html http://www.creditmagic.org/loan/about26610.html Ok, I've looked for a situation like mine with no luck so far. I received a summons from the original creditor stating I owned X amount and they were taking me to court. I answered the summons denying all the claims and have yet to hear back from anyone on the matter. It was about 2 months ago. Well I decided to send a validation of debt letter to the original creditor and recevied a response back stating the date The account was opened and amount last paid. In the validation of debt letter I... http://www.creditmagic.org/loan/about26605.html http://www.creditmagic.org/loan/about26605.html My checking account was just garnished and is now 4700 in the negative....all of my income is from child support and alimony.....I live in Missouri.....is there n e thing I can do? Thanks http://www.creditmagic.org/repair/about26601.html http://www.creditmagic.org/repair/about26601.html Does debt validation expires according to the FDCPA? I requested a debt validation and the company replied back by saying the following: Dear Mrs. Blessed, We received your requrest to validate the balance owed on acct number: 77770077. This account was referred to a collecton agency on 05-14-05. Your opportunity to request validation of this debt under the Fair Debt Collections Practices Act has expired. Please contact the following agency to make payment arrangements on this acco...