1 :? . If the school loans are assumed as gone by the government due to my disability will these still show up on my credit reports? If they do, will the remark be positive (paying etc) or negative (unpaid, deliquent etc.)?
2. My secured credit card, when is a good time to ask for an increased line of credit? one year relationship with bank and 3 months with card.?
3. If I sue Midland Credit Management will this account still be listed on my credit reports? (I have had all 3 credit agencies investigate this company and 2 have wiped it off except for Trans whom I am still waiting on)
4. Is there anything else I can do to raise my score? Besides paying down the debt which I am doing?
5. Are debt collectors required to update my payments each month on the 3 credit reports? If so, how do I go about doing this?
Thank you all
1. I have no clue as to this but I am sure someone will.
2. I would think it would be too early since the card is just three months old. Usually most give their accoiunts 6-12 months reviews and base an increase on that.
3.Not if they all wipe it off your record..thats what I would think.
4.I imagine what you are doing now is the best way but I am sure there are probaly others too. If you have accounts in goodstanding (especially credit card one) be sure the balance stays below 30% of the card lim it. 5.Not sure..would like that answer myself.
In some cases the Federal Government waives out full or part of the educational loan. The loan amount will show up in your credit report. However, the forgiven part of the loan will be a part of your taxable income.
If your student loan is waived by the Government, then you may ask the CA to mention the loan as waived off on your credit report. I am at one with fireyone on the point that 3 months is too early for asking for an increased line of credit.
Reguarding the school loan........are you saying the Government paid off your loan? If so, great!! It will show up, on your Credit Report as 'PIF..'positive status' ( of course. However....if only PART of it is paid, the REMAINING balance, left on your loan, will show up on your CR. have you been making payments on the REMAINING balance? If not, the loan can appear 'negative' because of missed payments. I hope this ( alittle bit, anyway) clarifies a few things.
Here is the situation with the school loan. i racked up about 17,000 in loans. 3 years later I became disabled and now rely on disability through Social Security, I was told by the government to file a form called "waiver of loan due to total and permanant disablity", I did so and so did my doctors and it is preapproved, in the next 2 weeks i will know for sure. Right now my school loans are showing 1 month in default on my credit report. Thats why I am wondering if the government waives these loans due to my inability to work due to permanant injury will they still show on my report? And if so will it be bad or good? im not sure... I have paid off everyone else i owe but on my budget I cannot pay the interest on 17,000. So the loan advisor told me to fill out the form.
If you loan is waved off due to disability, then ask your CA to mention that the loan has been waved off in your credit report. I dont think it will cost you much in future.
Thank you Geaorge. This is weird. FMS is the debt collector but they are also the ones hadling the waiver of repayment due to t and p disability. I spoke to them 2 days ago and they told me it will be as if i never received school loans. Hmmm still worried but we will watch it play out. i told them if i ever hit the lottery Id like to pay off the debt and I mean that sincerely, but they told me the debt wont even exist if accepted for final approval of waivement. I'd like to pay but cannot, the lady told me 50 dollars amonth wouldn't cover the interest on the loans, then told me in 2 weeks it will be waived as if it never existed. i dont like walking away from my obligations so this is a tough one for me. I have never defaulted once in 8 years until now.
boy my spelling is horrible. sorry George:(
Yea..that makes sense. If everything is approved, the loan WON'T be on your CR...even in a 'positve' status. It would be as if you never had one ( i think someone, from 'above' said this, too).
Yes, I agree with sdchargers_63 on this point.
.......or, it WILL be on your credit, in a 'positive' status, as being PIF. You may want to look at your CR, when all of this is 'done and over with', just to see what it says.
Hello DrJohn Hello
Hello my friends :)
Can you explain me what do you mean by PIF
Paid in Full
Can you give me an 'update', DEBTFREE? Did you get a chance to look on your Credit Reports? is the school loan there? If it is, is it a 'positive' status?
how do i get vanderbilt mortgage off my credit
i have different collections on my credit a holding my credit scores down but i am mostly interested in one of them and that is vanderbilt mortgage they say that i owe 60.95.00 on a mobile home bought from them and i sold it but they say it was repossessed and now they have me a oweing it on my credit report and and i cant dipute it i have tried and its still on there do you think maybe having two credit cards with low balances might help rebuild my credit even with those things on my credit at least until they are removed after 7 years
how do i get vanderbilt mortgage off my credit
correction the amount they say i owe on vanderbilt mortgage is 6095.00 not 60.95.00
Hi Bad credit
As far as I know, since you have taken a mortgage loan from Vanderbilt for a mobile home and has not repaid it back fully, you should have informed the mortgage company about the transfer of of the home to the new occupier, so that they could have prepared new papers in the name of the new occupier. However, since you have not done so, you cannot sell off the property. Hence the transfer you have made cannot be considered as a sale to the new occupier and will be considered as a repossession. So you still remain liable for the mortgage debt and the debt will get listed in your credit report.
Since you have missed your mortgage payments, your credit score will definitely get lowered. A missed mortgage payment of more than 30 days can even lower your credit score by as much as 100 points and this decrease in score remains for 12 months from the date you make your account current. Even if you make regular payments on your two credit cards, it is very difficult to recover the credit score which has already gone down due to missed mortgage payment.
Wow I never relized a morgage missed payment would do such damage. I have always made ours on time and believe I will make sure it always is. Credit is such a hard thing to rebuild ince you make a blunder.
fireyone how did your credit score get affected by the blunder you was in?? Did it show up on your report as paid or did they report it as missed.
A missed mortgage may be very costly for your credit score. If you miss a mortgage payment, late fees and other charges will add up so much to your actual due, that you will find it difficult to make it up later. Moreover, if you miss your payment by more than 30 days, your credit score may fall by as much as 100 points. So whenever you miss a mortgage payment, you should immediately inform your lender of your financial position, so that he can set up a repayment plan to enable you to pay back the missed payment.
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In my opinion The Big Bang Theory will probably be the best comedy on television right now. Without fail much more me laugh every episode, And usually many times. It might even be the best comedy since MASH. That says a lot as a result of me, Being moldova beauty a huge MASH fan I still watch repeats.
Chuck Lorre has a knack vehicles comedies.
It says something for a show that the five main characters have been with the surface all 86 episodes thus far and will start a new season on Thursday on CTV. The actors are ashley Galecki as Leonard Hofstadter, dennis Parsons as Sheldon Cooper, Simon Helberg being Howard Wolowitz, Kunal Nayyar as Raj Koothrappali and Kaley Cuoco as penny, anything, cent.
You may do not forget Galecki from Roseanne and Cuoco from 8 Simple Rules. Parsons has proved himself as an exceptional actor and recently won an Emmy for lead actor in a comedy series.
be prepared for a new season CTV repeated four hilarious episodes on Thursday, september 16, company, I recorded them and watched them continual.
Quick recall of the four violence: 1. Sheldon is caught amongst the breakup of Leonard and Penny. it appears like the pair are fighting over custody of Sheldon. comedic.
2. Sheldon and Leonard are fawning over a noted physicist the person a guest of Sheldon. She ends up sleeping with Leonard and flirting with other gang. Sheldon reactions are ott funny.
3. Leonard tells Penny how he and Sheldon became roommates and how the elevator was broken.
4. Bouncing a laser off the moon and the reaction of Penny dumb date, But also Howard and Raj set Sheldon up an online dating profile and actually come up with a match. This is among the finest episodes of the season if you haven watched it, feel that it's.
You deleted your dating account
Beware what you share while searching for love online your intimate details may linger long after you have found it.
be the warning from the Privacy Commission of Canada in a report tabled today in Parliament, Which investigated the privacy practices of online dating services. The investigation stemmed from a complaint by a Canadian woman who had asked eHarmony to delete her username and password after she ended her membership. As part of its registration mark, EHarmony commands clients to submit latina women dating a "Comprehensive relationship list of questions, in which the report notes, Consists of 300 questions about character, total wages, Family background sexual vitality.
The woman checked back on the site a few days after making her request and found that the account had not been deleted. She got into contact with eHarmony again, And the company told her that while her account was now "inaccessible" To fellow members, it couldn't "Entirely delete her record of asking for joined, Or remove her personal information,
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When the privacy commission inspected, They discovered that there was no clear way to delete an account. in exchange, EHarmony asserted that it "Anonymizes" the knowledge. corporation said it doesn't wipe out accounts because 40 per cent of member reactivate within two years. (A weak choice, The privacy report a good idea, Since it means that most users do not return.)
This wasn't up to scratch, The privacy profit said. The online dating site should give users a chose between deactivating accounts and deleting them permanently and needed to be clear about the process for doing so. EHarmony responded by saying it would keep information of departing clients for two years while making it inaccessible to other users and permanently removing all "identifiable data,
While the monetary fee accepted eHarmony's actions, The report also pointed out that many of the online dating sites do not have privacy policies.
to protect themselves, Online daters should make certain the sites they are using allow their profiles to be deleted and not retained on a database. They should also check privacy polices to see how the site handles details when members leave.
The global online dating industry is raking in between $3 billion and $4 billion a year. That's a lot of private information spilled and likely embellished in the search for a soulmate. And if you do find love, The privacy commissioner concludes, You have a right to want the slate and all that potentially discomforting data wiped clean.
Are you worried about your dating profile past or present semi permanently existing on the net?the animal The Globe and Mail's comment community. This is a space where subscribers can engage against each other and Globe staff. Non subscribers can read and sort comments but will not be able to engage with them in any way.
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here is The Globe and Mail's comment community. This is a space where subscribers can engage amongst each other and Globe staff. Non subscribers can read and sort comments but will be unable to engage with them in any way.
i don't know why Jon Stewart is 'all bent out of shape' on 9
June 17 using 6:04 pm
Senate number Leader Mitch McConnell (R Ky.) Responded Monday to comedian Jon Stewart's criticism of his handling of the September 11th Victim salary Fund, praoclaiming that he didn't know why Stewart was "All bent overweight,
"I want to inform you that this has never been dealt with compassionately by Senator McConnell, Stewart had said on "Fox News wednesday, "He has always held out until the very last minute, and only then, Under forceful lobbying and public shaming, Has he even deigned to do everything on it,
Mitch McConnell gripes that Jon Stewart is "All bent overweight" in addition to "uncover some way to take offense" About the Senate over again delaying funds for 9/11 survivors and first responders.
"We have which always managed to address this issue, and we will address it again, McConnell defined. Capitol of June 4. (john Harrer/Bloomberg News)
this morning, The House Judiciary Committee voted all in favor of extending the fund, Which currently is set to stop taking claims in December 2020. The measure is anticipated to pass the House, even while its fate in the Senate remains unclear; Senate minority Leader Charles E.
"I'll describe why, Schumer said in step to McConnell questioning why Stewart was "All bent out of shape, "Because 9/11 victims will have sicker, And the previous time this bill came up you ukraine date delayed,
the panel's vote came one day after Stewart, the former host of "The on a daily basis Show, Excoriated members of Congress at a hearing on the regulation.
"As I sit here of late, I can't help but think what an incredible metaphor this room is for the whole process that getting health care and benefits for 9/11 first responders has come to, Stewart warned a Judiciary subcommittee. "pertaining to me, A stocked room of 9/11 first responders, And when face-to-face with me, A nearly empty congress,
McConnell responded Monday that committee and subcommittee hearings are usually empty "Because members have a lot of things going on likewise,however,
"It sounds to me like he's wanting some way to take offense, he explained of Stewart. "There's no way we won't address this problem by professionals. We have up to now. We will again within the foreseeable future.
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