http://backend.userland.com/rss092 http://www.creditmagic.org/rss/forums.xml Forum- RSS Feed admin@creditmagic.org Thu, 02 Sep 2010 14:23:31 GMT en-us http://www.creditmagic.org/repair/about12455.html http://www.creditmagic.org/repair/about12455.html I was looking after a plumb extended space yesterday on the internet Portable Disk Wipe and nowhere could find. If it were not also in behalf of your istuation www.creditmagic.org. Offer you moderators and administrators, I would participate in dead beat a an enormous number of occasion searching to save SUMMIT http://www.creditmagic.org/repair/increase-limit.html http://www.creditmagic.org/repair/increase-limit.html Hi all, I have a low credit score of 650 (FICO). I have only 4 cards and I am about 90% maxed out on all four of these cards. But one card just renewed me for 3 more years. I believe they haven't lost faith in me. I want to improve my score, so please tell me what should I do? Should I ask them for a credit limit increase? If I have a $2k limit on one card, and am nearly maxed out, can I get a limit increase of a few hundred. I'm not quite sure how this game is played. How will this affec... http://www.creditmagic.org/card/keep-active.html http://www.creditmagic.org/card/keep-active.html Hi all, I am planning to close one of my accounts once the dispute on this account is settled. However this very bank sent me a platinum signature card and I'm wondering what to do with it - to keep it active or close it. I didn't physically activate the card till now, so can a crook use it in any way? Another consideration is that if I don't activate the card within a certain time frame, will it trigger a fraud alert or freeze? I heard Discover reissues another card if there's no activit... http://www.creditmagic.org/repair/reopen-request.html http://www.creditmagic.org/repair/reopen-request.html Hi, I just found out that my credit score is 608. This is due to a two-year old MasterCard debt of $6,245. The card has since been closed. I am determined to fix the situation. The card was given to me by my bank when I first started school. It had a $5,500 limit on it. What should I do? Should I talk to the bank directly? I heard paying a collection agency is the worst thing you could do? Or should I try and get a new card to have some open credit and promptly pay it off? Any advi... http://www.creditmagic.org/debt-validation/oc-summons.html http://www.creditmagic.org/debt-validation/oc-summons.html I apologize for posting this multiple times.. but I'm having trouble validating that it is actaully getting posted... so here it goes . I have a summons, I need to answer, the origional creditor is who is suing and they have provide the DV in the summons. I will have the funds to pay this off but not until after the answer is due. How can I , or do i need to delay this to prevent judgement? Do I file the answer and then contact the creditor and tell them of my intent to pay? http://www.creditmagic.org/report/update-information.html http://www.creditmagic.org/report/update-information.html Hello, I've already exhausted the one opportunity I had to check my free credit report for the year on annualcreditreport.com but the report only reflected one of the bureaus information. How would I go about updating all information under all three bureaus records: A. For free B. With the best and most accurate information I have a three bills that went into collections that I've already paid off. And, as far as I read on this site, they'll stay there for 7 years unless I'm reading t... http://www.creditmagic.org/report/disputing-accurateinformation.html http://www.creditmagic.org/report/disputing-accurateinformation.html Hello, I've had a credit card with no annual fee since 2003 with a $0 balance for a year or two. I moved and forgot to inform the creditor. Then in 2009, the creditor instated an annual fee and claimed to have sent me four letters about it. Because of my mistake I didn't see letters and I didn't know to pay. My responsibility I know. Now it appears as a 60 day (30 days on others) late payment of $100 on my credit reports. A firm called andquot;Lexinton Lawandquot; said they could possib... http://www.creditmagic.org/loan/car-scoreimprove.html http://www.creditmagic.org/loan/car-scoreimprove.html Hi, I made a lot of mistakes when I was in college. However, I've settled and paid off my past debts and my credit score has finally crossed the 600 for the first time in years. I don't know what to do next, but I assume I should open another credit card. My past negatives included one Student Credit Card from 6 years ago and another credit card. These did go bad after about a year of use, unemployment, loads of classes, etc. What is a good next step? I have started cleaning up my ... http://www.creditmagic.org/repair/building-score.html http://www.creditmagic.org/repair/building-score.html Hi all, I applied for a basic credit card with a bank with the intention of starting some credit. However, I was declined. Now my father is willing to co sign. Actually I have only a year old credit history. A banker advised if I had some history of credit or other open accounts with them in good standing I would get a better car loan rate. My scores are Ex 632 and TU 656. I have high utilization rate of around 40%. The agent online gave me a number to have him added as a cosigner, has a... http://www.creditmagic.org/report/notshowing-positives.html http://www.creditmagic.org/report/notshowing-positives.html Hi, I have some paid closed accounts. All of these are positive accounts and have been paid off in full. However, I noticed that on all three of my credit reports these accounts are missing. Though they are in good standing and still they do not appear. Specifically, a student loan which I paid in full in the mid 90's and a car loan also paid in full in the late 90's. I know that negative accounts can drop off your credit reports after seven years but do positive accounts too drop off as ... http://www.creditmagic.org/collection/letter-notlisted.html http://www.creditmagic.org/collection/letter-notlisted.html Hello-I just received a collection letter on a debt that is, #1. SOL and #2. No longer shows on my CR. From what I've read in different forums, I should dispute w/the Credit Bureau (CB) before doing anything else (in case I need to sue them), but I can't dispute the debt with the CB since the debt does not show up on my report from the CB. They are calling me approx 5x's a day and I want them to stop. What do I do? Wait until it shows on my CB or write them a Cease and Disist lett... http://www.creditmagic.org/debt/notreported-notice.html http://www.creditmagic.org/debt/notreported-notice.html Hi All! I recently received notice for the very first time about a debt that is seven years old that was never reported to any credit bureaus. I lived in California at the time of the debt (Summer 2003) and moved to Maryland (where I currently reside) from CA in November 2006. SOL in CA: 4 years SOL in MD: 3 years My question is: I was only in CA for 3 years after the debt. However, I have been in MD for 3.5 years now so I am well past MD's SOL. Am I good on the SOL ... http://www.creditmagic.org/repair/improve-ficoscore.html http://www.creditmagic.org/repair/improve-ficoscore.html Hello, I just checked my report. I'm at 575 right now. I have about 5 collections totaling $4500 or so. Which I can pay in full, these are 4 years old or so. I've been offered a settlement of half the amount but I've countered with paying the full amount to get it off my report. They will not go for this. My question is, what will happen to my score if I pay the collections whether it's a reduced settlement amount of if I pay them in full? I had 3 credit cards, I paid them down to zero ... http://www.creditmagic.org/card/sol-toll.html http://www.creditmagic.org/card/sol-toll.html is the statue of limitation tolled or paused when a cc company file a summons? even if it is not served but attempts is made for a year does it stop the clock? cc has tried toserve me since 2009 but sol was up in jan 2010? http://www.creditmagic.org/collection/verification-oc.html http://www.creditmagic.org/collection/verification-oc.html CA verification letter states that a CA is his client. How do I find out who is the original debt holder and amount of debt? An aggressive CA (Hayt) is now holding a debt from Palisades CA. I do not konw who is Palisades, nor the original debt. I sent request for veirfication letter to Hayt. Hayt replied that Palisades CA is thier client. Hayt also replied that Palisades has 10 days to decide to file for judgement. How can I get info regarding orinal debt? http://www.creditmagic.org/report/removing-listings.html http://www.creditmagic.org/report/removing-listings.html I checked my credit report yesterday because I am looking to get a new car. I pulled the report and there were so many things listed that I immediately got scared. Some of the things that were on there we sold to CA and they have been paid off. Some of the items are being paid off now. What can I do to get some items removed from my report to hopefully increase my credit score. I checked my score yesterday and I got two different numbers 581 and 556. There is a really big difference in the t... http://www.creditmagic.org/collection/hospital-nobill.html http://www.creditmagic.org/collection/hospital-nobill.html Hi, I have a hospital bill that went into collections. I had forgotten to pay off this bill and I know this is my fault. However, I never received a bill from the hospital, but I rec'd a bill from the collection agency. Was not the hospital supposed to first send me the bill? I am right at my 30 days to request validation. However, I won't be making the payments. My insurance company will. So I need to appeal this with the insurance company and I am afraid that if I contact the collectors... http://www.creditmagic.org/loan/student-reporting.html http://www.creditmagic.org/loan/student-reporting.html Hi, My husband took a student loan in 2001 that went into default. Two more collection entries were then added to his report for the subsidized and unsubsidized portions of the loan. Thus, now a total of 3 negative entries are on his report for this one student loan. The last payment he made on them before they went into default (after which they were paid off in full) was March 2002. We also have an account summary from the Federal Student Aid website showing this date as his last loan pa... http://www.creditmagic.org/report/account-removal.html http://www.creditmagic.org/report/account-removal.html Hi, My current credit score is 710 and I'm in the process of paying off my $42,000 credit card debt. I know this will help, but I have a andquot;Settled—less than full balanceandquot;, on a credit card which I no longer have. This account is 5 years old. So how long will this account stay on my credit report and when will this statement come off my report? Is there anyway to get it off sooner? Any help would be greatly appreciated. http://www.creditmagic.org/debt-validation/item-removed.html http://www.creditmagic.org/debt-validation/item-removed.html Hi, My credit report was showing a negative with a collection agency. I sent them a debt validation letter although I was outside the 30 day time limit. Within a week of their getting my letter, they deleted the derogatory reporting from my credit reports. What can this mean? I'm in California. Is the CA supposed to remove the entry during the DV process and can it come back later? It just makes me very curious. This was an old debt and the SOL was up in November 2008. I confirmed with t... http://www.creditmagic.org/collection/third-party.html http://www.creditmagic.org/collection/third-party.html Ask credit questions ...I had a chase credit card with $1475. owed on it with a $1500. limit. I stopped paying on it when I made a pmt after the time frame of 2 pm. on line. therefore it made my payment post for the next day and chase increased my interest rate as it made my payment count as being late.not to mention it brought my acount now over the limit and they hit me with a $39.00 fee for that. After trying to talk to them over it, I got no where with them so I stopped payment on it. It wen... http://www.creditmagic.org/collection/judgment-socialsecurity.html http://www.creditmagic.org/collection/judgment-socialsecurity.html Can Collection Agiencies get a judjment against my social Security? http://www.creditmagic.org/repair/closing-accounts.html http://www.creditmagic.org/repair/closing-accounts.html Hi, I currently have one checking and savings account with a bank. I have had it for about 3 years. I opened this account because it offers better car-loan interest deals if I use auto-pay from a their bank account. I also have another credit card with another bank and I opened it because it's cheaper to pay car insurances with it. Since then I have paid off my car loan and I plan to switch my auto-insurance company, and both the bank account(s) and CC have annual fees associated with them... http://www.creditmagic.org/report/joint-medicalaccounts.html http://www.creditmagic.org/report/joint-medicalaccounts.html Hi, It been 3 years since my divorce from my husband. I recently requested and reviewed my credit reports and I noticed that some items are showing up as andquot;jointandquot; (with my husband). But the problem is that I never applied on any of his trade lines as a co-signer, and some of these accounts are listed as negatives (medical collections). However, all of these have been paid to a zero balance. I'm wondering as to how these items have appeared on my credit report? Are medical bills a... http://www.creditmagic.org/report/cosigned-accounts.html http://www.creditmagic.org/report/cosigned-accounts.html Hi, I co-signed an account for my cousin (medical procedure). She missed two payments earlier this year, and now it's affecting my credit too. I tried disputing this, but they verified that I am a cosigner. Can I do anything about this or is it possible to take my name OFF the joint account? Recently I had applied for a credit card but was denied credit as my revolving debt is too high. However, everything else on my credit is up to date, and this is the only negative issue. Please... http://www.creditmagic.org/report/newaccount-hurtscore.html http://www.creditmagic.org/report/newaccount-hurtscore.html Hi, I am in need of a checking account. Now, currently my scores have crossed the 700 mark and I have 0 credit inquiries on my credit report. If I apply for a new checking account will it create a hard inquiry on my credit reports?? I am sure it will and am wondering if a bank will bypass a hard pull if they are asked? I want to apply for a new credit card too and was hoping to have no inquiries when I did. What can I do? Any suggestions would be welcome. http://www.creditmagic.org/repair/erase-badreport.html http://www.creditmagic.org/repair/erase-badreport.html Hi, I just wanted to say that I found some good information on this site. Do you know how to erase bad credit? http://www.creditmagic.org/loan/hoa-rentalproperty.html http://www.creditmagic.org/loan/hoa-rentalproperty.html I am being sued by the Home Owners Association of a rental property I owned and now on the market for short sale. I was issued a Summons and have 20 days to respond. I do not know where to begin. Can someone help/ please. Thank you. Rosa123 http://www.creditmagic.org/repair/apartmentlease-pfd.html http://www.creditmagic.org/repair/apartmentlease-pfd.html I was charged $2100 for supposedly breaking my lease 2 years ago, even though I gave proper notice and have proof. I need to get this debt taken care of ASAP so I can get an apartment. I sent a pay-for-delete letter offering to pay 25%. They denied my offer, and sent me their offer of 50%. The top of the letter states andquot;Settlement offerandquot; but the letter states: We would like to make a final attempt to collect this debt. The amount you owe as of this date is $2100.08. We would be willi... http://www.creditmagic.org/loan/student-problem.html http://www.creditmagic.org/loan/student-problem.html Hi, I'm a 26 year old guy, and I am known as one of the most fiscally responsible people. I've been accused by several people of being thrifty. However, unfortunately I have not handled my credit nearly as well as I could have. I have 5 student loans that show up as negative accounts on my credit reports. I don't pay for any of them. My parents handle the payments. However, the problem is they moved a lot when I was in college and so in late 2008 the bills for these loans never came. Addr... http://www.creditmagic.org/collection/apartment-rent.html http://www.creditmagic.org/collection/apartment-rent.html Hi, I terminated a lease back in 2004 because I lost my job. However, I needed to take another in a different city. I notified my apartment complex of this and they told me everything was in order. I had also asked them to contact me in case of any problems. The office even had my phone number and a forwarding address. Earlier this year I pulled my credit report and noticed a collection for $967.00 and the original creditor was the apartment complex. I called the manager and she dug throug... http://www.creditmagic.org/collection/payoff-report.html http://www.creditmagic.org/collection/payoff-report.html Hi guys, I recently discovered that I have two collections. There have been no activity on these accounts for several years. I had moved from the place and forgot about them. They didn't have any way to contact me, so they must have sent them to collection. They are within the SOL in my state (6 yrs). The collection agencies are not reporting on my credit report but I feel an obligation to pay them. However the problem is they have tacked on interest and fees that are 4 times the origi... http://www.creditmagic.org/report/collection-againlisted.html http://www.creditmagic.org/report/collection-againlisted.html Hi, I am having problem with collections. Last year I worked hard to clean up all of my collection accounts and had them all removed. Now, another account has appeared again. Last year I had this account removed by another collector who could not fulfill my request for DV. I got a dunning notice last week from a new CA and I immediately sent my DV request to them CMRRR. However, through scorewatch alert I found out that my score dropped by almost 40 pts!!!!! http://www.creditmagic.org/debt-validation/pfd-collection.html http://www.creditmagic.org/debt-validation/pfd-collection.html I recently sent a pfd letter to a collection agency on a credit card. It wa a $4000 debt and I offered low around $850 for them to accept and delete. I recieved a counter offer in the mail for $923 which is resonable to me and I can do it. They did not offer the pfd though only a settled in full. Also the letter stated at the bottom I have 30 days to validate. SHould I validate the debt before accepting the offer and if its validated send another pfd letter for the $923 they offered me to s... http://www.creditmagic.org/judgment/settlement-listing.html http://www.creditmagic.org/judgment/settlement-listing.html I leased a car and went over on the miles back in 2008. I owed 2800 for the miles over. Ford motor credit hired an attorney to come after me soon after charge-off. I received some papers in the mail that they were suing me. I had no money at the time and paid no attention to it. There was never a judgement or anything so I just went on with life. Recently i have been trying to clean up my report and get things paid off that i owe because I came into a little bit of money. I sent a letter ... http://www.creditmagic.org/card/sol-arkans.html http://www.creditmagic.org/card/sol-arkans.html My last payment on an Orchard Bank credit cart was in 2006. I became disabled and am not able to work. There was and is no way I can pay the card off. They are still making my life miserable. My medicine and doctor co pays take up most of my ssa. http://www.creditmagic.org/repair/ways-score.html http://www.creditmagic.org/repair/ways-score.html Hi all, Can anyone give suggestions on ways to repair my credit. I have a mortgage and some other bills but I am unsure if that does anything to my credit score. I had a car loan, and the time period was 38 months. However, I paid it off in 25 months and now have another loan joint with my wife for a car that is 12 month old andamp; is done at 50 months. I have only one credit card for the past 2 years with a $500.00 credit limit. If I call and ask for an increase on my limit will that hel... http://www.creditmagic.org/collection/pfd-agreement.html http://www.creditmagic.org/collection/pfd-agreement.html Hi, I just checked my credit reports last week and found a collection for a valid medical debt that was just put on. I called the medical office and they verified it. So, I asked if I make the payments will they delete it off my reports? The person asked me to call the CA and they said they would. But i wanted a letter stating that they would remove it if I paid. Now, they have sent me the letter, its on there letterhead. The only thing I question is it says if its not off in 30 days to ... http://www.creditmagic.org/collection/not-validatingdebt.html http://www.creditmagic.org/collection/not-validatingdebt.html I learned about this collection from a letter that was mailed to my home. Then sent a debt validation letter to them within 2 days of receiving the letter. I have a delivery confirmation that it was delivered. They did not respond to my DV letter. I received another letter demanding money before a certain date or legal action will be taken. The letter from the collection agency states this is a pre-legal notification if i do not submit a payment to the by 10.10.10. It instructs me to call th... http://www.creditmagic.org/debt/collections-settle.html http://www.creditmagic.org/debt/collections-settle.html Ok so I'm bouncing back from being unemployed forever and trying to get a hold of my credit back. I just paid for a triple credit report monitoring which showed me all three scores and reports I'm at a 530 My debt has a couple of collections from sprint, 1 medical, another random combined under $800 I have 3 credit cards BOA military credit card- $3,800 Barclays - $1,200 tire's plus charge card $1,200 Al... http://www.creditmagic.org/debt-validation/oc-ca.html http://www.creditmagic.org/debt-validation/oc-ca.html I sent OC a validation letter and they sent it back to me with a message that said andquot; need coppy of reportandquot; Should I have to send them a copy of my credit report? http://www.creditmagic.org/repair/new-card.html http://www.creditmagic.org/repair/new-card.html My credit was ruined by a family member. I was 13 when it started. I paid off all debts and have everything on my credit report as paid. I did this roughly 5 years ago. However, I still do not qualify for loans, credit cards, and even a couple of apartment buildings would not accept me. . How can I build credit, if no one is giving me the chance to do so? http://www.creditmagic.org/collection/threats-fdcpa.html http://www.creditmagic.org/collection/threats-fdcpa.html can they threaten to get investigators and tell customers that you owe money? http://www.creditmagic.org/collection/utility-bill.html http://www.creditmagic.org/collection/utility-bill.html First, I'd like to thank everyone who contributes to the forum. I found this forum through a Google search and have been reading since yesterday and I'll be applying some of the knowledge gained. Here's my situation: Yesterday a lady from a collection agency called and told me that I had a $2700 bill with a utility company in NY. Now, I have visited new york and my daughters father lives there. I asked them for the address where the bill is from and they gave me his address. He however has... http://www.creditmagic.org/collection/bankstatement-healthrecord.html http://www.creditmagic.org/collection/bankstatement-healthrecord.html Can collection agencys ask for bank statements and health records?? http://www.creditmagic.org/repair/score-card.html http://www.creditmagic.org/repair/score-card.html Hi, I have only one credit card. It was a Gold Card from a bank with a $2500 limit in 2004. I had the card for 4 months before I was unable to pay it. Did not pay it for over 120 days, and it went to collection. However, I paid the collection agency $400-$600 a month until it was paid (paid off in early 2005). Last week I bought my credit report from freecreditreport.com. The scores from that report are below. EXP 580 EQU 578 TU 590 With this score I can't even get a Macy's card. ... http://www.creditmagic.org/report/updatepersonal-information.html http://www.creditmagic.org/report/updatepersonal-information.html Hi, I want to contact each of the CRAs in order to get all of my personal info updated. I've tried to get old and inaccurate items (mostly addresses andamp; phone numbers) deleted through online disputes and have had some success. I'm wondering about what I can legally ask them to delete though. I've been married for over 10 years, yet all 3 CRAs are showing my maiden name. EQ and EX are showing a former married name from early 90's. Now, I did go back to my maiden name for a little while a... http://www.creditmagic.org/loan/car-chargeoff.html http://www.creditmagic.org/loan/car-chargeoff.html Just posted this, but have a car that I financed with Chase. I got sick and was in the hospital for 2 yrs. They have charged it off. and credit report shows I owe 0. I called Chase they said the same. I owe them nothing. WHAT do I do with the car? the title still has a lean on it. http://www.creditmagic.org/repair/lien-delinquent.html http://www.creditmagic.org/repair/lien-delinquent.html delinquent payment / verifying income http://www.creditmagic.org/debt/cosigner-garnish.html http://www.creditmagic.org/debt/cosigner-garnish.html Ask credit questions ... first thay want from me 27000 i maneged to pay 17600 before the lay off and couldnt pay any more exept from my unemployment chek can they go after my co signer and garnish his employment chek. and they asking for more money around 40000 thousand and i cant hire a lowyer what can i do .