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JOINED:  6 July 2006
TOTAL POSTS:  684
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Posts by Mary
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Posted: Thu May 7 3:03:23 2009 Did anybody receive the summon on your behalf If ..
Posted: Thu May 7 12:37:02 2009 Hi michael You can change your avatar anytime if ..
Posted: Thu May 7 12:13:15 2009 Hi Hawk You can simply file a response to the ..
Posted: Wed May 6 2:12:23 2009 The US House of Representatives has recently ..
Posted: Wed May 6 12:55:59 2009 As a proper debt validation, the creditor must ..
Posted: Wed May 6 12:23:21 2009 Hi Ben I would suggest you that instead of going ..
Posted: Tue May 5 11:53:58 2009 I went through the B of A website for secured ..
Posted: Tue May 5 1:45:32 2009 Hi Gacevedo Although you cannot remove the ..
Posted: Mon May 4 11:39:37 2009 Hi bbclarke Since you are able to make a down ..
Posted: Mon May 4 4:09:57 2009 Hi Shelly Yes, I agree with Gary. Since you do ..
Posted: Mon May 4 3:28:08 2009 Hi Cleve Judgment is a public record and it ..
Posted: Mon May 4 3:22:29 2009 A score of 740 is considered a good credit score ..
Posted: Mon May 4 3:18:41 2009 Social security benefit can never be garnished. ..
Posted: Mon May 4 3:09:04 2009 Hi Firang Hard inquiries can stay on your credit ..
Posted: Mon May 4 2:55:51 2009 As far as I know, if the Statute of Limitation on ..
Posted: Mon May 4 2:10:23 2009 Since they have already listed the debt in your ..
Posted: Fri May 1 1:06:07 2009 Arrow Financial Services LLC is a collection ..
Posted: Fri May 1 1:00:08 2009 Hi Shane If your debt is high and you want to ..
Posted: Thu Apr 30 1:18:56 2009 Hi Steven If your account is still open (suppose ..
Posted: Thu Apr 30 12:30:51 2009 The Statute of Limitation in Minnesota is 6 years ..
Posted: Thu Apr 30 12:22:32 2009 Hi Tiffany Both the credit bureaus and the ..
Posted: Wed Apr 29 11:45:40 2009 Hi Sha Yes, it is true that the creditors may ..
Posted: Wed Apr 29 10:41:12 2009 Hi Hellofamess When you ask for debt validation ..
Posted: Wed Apr 29 2:36:28 2009 The Statute of Limitation on Judgment in PA is 4 ..
Posted: Wed Apr 29 1:12:46 2009 Hi Dreamscar If the cards have already been sent ..
Posted: Wed Apr 29 1:05:39 2009 Hi Sandra Yes, if there is judgment against you ..
Posted: Wed Apr 29 12:59:42 2009 Hi Marc As far as I know, if you have already ..
Posted: Wed Apr 29 12:28:04 2009 Yes, it is true that a charged off account can ..
Posted: Tue Apr 28 3:06:12 2009 Hi Michelle Are you talking about spending ..
Posted: Tue Apr 28 2:45:42 2009 Hi Sophbullo Warrant in debt is a summon to ..
Posted: Tue Apr 28 1:36:13 2009 Hi Lucas If the creditor provides you with the ..
Posted: Tue Apr 28 12:35:08 2009 I have also seen credit repair agencies making ..
Posted: Mon Apr 27 11:47:45 2009 Yes, I agree with Justin. You can send a debt ..
Posted: Mon Apr 27 3:45:46 2009 If you pay off your debt, the "amounts ..
Posted: Sat Apr 25 4:06:50 2009 Yes, there are some creditors who do not report ..
Posted: Sat Apr 25 2:55:51 2009 Hi JP As far as I know, most creditors consider ..
Posted: Sat Apr 25 1:26:57 2009 Yes, I agree Carol. As per the FTC guidelines, no ..
Posted: Thu Apr 23 11:58:50 2009 Hi Cheri If there has been a judgment to garnish ..
Posted: Thu Apr 23 3:28:09 2009 In order to file a motion to vacate a judgment, ..
Posted: Wed Apr 22 4:07:52 2009 If she has maxed out her credit cards, it means ..
Posted: Mon Apr 20 3:47:22 2009 Hi Stacey Since, you have already received the ..
Posted: Mon Apr 20 3:15:02 2009 Since the charged off account has already been ..
Posted: Mon Apr 20 1:33:57 2009 Yes, Justin is right. Since you have already paid ..
Posted: Tue Apr 14 2:55:06 2009 If you have not yet paid the debt in full, you ..
Posted: Fri Apr 10 4:13:34 2009 If the debt is past SOL, you need not pay it, ..
Posted: Fri Apr 10 4:07:20 2009 If it is an original creditor, they may send you ..
Posted: Thu Apr 9 4:02:52 2009 Closing your card will affect your credit ..
Posted: Thu Apr 9 3:34:27 2009 This means that AMEX has not sold the debt to the ..
Posted: Thu Apr 9 3:19:40 2009 Yes, even with a low credit score or with no ..
Posted: Thu Apr 9 3:14:39 2009 Has the creditor send you collection letters or ..
Posted: Thu Apr 9 2:56:47 2009 Yes, your attorney is correct if your bankruptcy ..
Posted: Thu Apr 9 2:53:01 2009 If you cannot repay the auto loan on time, the ..
Posted: Thu Apr 9 2:40:54 2009 Hi dumb Can you tell me how much money have ..
Posted: Thu Apr 9 2:36:53 2009 It means that the original creditor has sold the ..
Posted: Thu Apr 9 12:33:38 2009 Can you tell me the state where you have taken ..
Posted: Wed Apr 8 6:04:24 2009 If you have late payments, you can re-age the ..
Posted: Wed Apr 8 5:31:05 2009 Normally, the credit card companies does not ..
Posted: Wed Apr 8 4:34:28 2009 Hi dumb I think that they have already taken ..
Posted: Wed Apr 8 4:28:34 2009 If the creditor has already brought a judgment ..
Posted: Wed Apr 8 4:20:24 2009 You can also call them at their toll free number ..
Posted: Fri Apr 3 7:45:06 2009 I think that you should pull out a copy of the ..
Posted: Fri Apr 3 6:34:29 2009 If you want to pay off the debt, you should ..
Posted: Fri Apr 3 3:19:47 2009 If you have the fax number of the creditor or the ..
Posted: Fri Apr 3 3:16:14 2009 Can you tell me how much you owe to Arrow ..
Posted: Fri Apr 3 2:20:06 2009 As far as I know, SCA credit services Inc. is a ..
Posted: Fri Apr 3 2:08:12 2009 You can get it cleared from the credit report ..
Posted: Fri Apr 3 1:59:19 2009 What I think is that until and unless you have ..
Posted: Fri Apr 3 1:43:13 2009 Yes, secured credit cards are easy to get because ..
Posted: Fri Apr 3 12:21:27 2009 Hi Pamalea Before paying off the debt, check ..
Posted: Thu Apr 2 1:54:44 2009 Closed collection account means that the creditor ..
Posted: Wed Apr 1 7:05:42 2009 I agree with you Carol. If the debt is paid off ..
Posted: Tue Mar 31 11:44:56 2009 I don't think that anybody has opened a new line ..
Posted: Tue Mar 31 2:33:01 2009 The Statute of Limitation in California is 4 ..
Posted: Mon Mar 30 4:04:09 2009 Try to contact the creditors and negotiate with ..
Posted: Mon Mar 30 3:43:18 2009 Hi Nuck You should not have called the ..
Posted: Mon Mar 30 3:31:15 2009 You can send a second letter asking them to prove ..
Posted: Mon Mar 30 3:14:46 2009 As far as I know, the creditor can only bring ..
Posted: Mon Mar 30 3:09:11 2009 The creditor can sue you to the court anytime ..
Posted: Mon Mar 30 2:57:08 2009 If the medical bill company has only authorized ..
Posted: Fri Mar 27 4:00:29 2009 Presently due to the recession in the US economy, ..
Posted: Fri Mar 27 3:56:57 2009 You just send a DV letter to the collection ..
Posted: Fri Mar 27 3:45:23 2009 Since you have already closed down your card, you ..
Posted: Fri Mar 27 3:10:10 2009 The judgment will stay in your credit report for ..
Posted: Fri Mar 27 2:27:04 2009 I don't think that you need to contact the ..
Posted: Fri Mar 27 2:19:19 2009 Almost all negative items stay in your credit ..
Posted: Tue Mar 24 4:12:29 2009 Yes, since your creditor Erin Capital Management ..
Posted: Tue Mar 24 3:06:38 2009 First of all since the debt is over 9 years, the ..
Posted: Tue Mar 24 2:48:49 2009 Whenever you plan to pay off any outstanding debt ..
Posted: Tue Mar 24 2:06:50 2009 Since you do not have a good credit score, it is ..
Posted: Tue Mar 24 2:00:59 2009 In California, the Statute of limitation for ..
Posted: Tue Mar 24 1:56:41 2009 If you think that the hard inquiry that has been ..
Posted: Wed Mar 18 3:54:29 2009 Hi Nice to here from you. Since you were not ..
Posted: Wed Mar 18 3:46:25 2009 If you cannot pay off a credit card debt, it is ..
Posted: Wed Mar 18 3:35:40 2009 You can send a DV letter to the creditor whose ..
Posted: Wed Mar 18 3:26:54 2009 Yes, if the creditor or the collection agency ..
Posted: Wed Mar 18 3:22:43 2009 Normally when a negative item gets removed from ..
Posted: Wed Mar 18 2:53:55 2009 You should immediately contact the credit card ..
Posted: Wed Mar 18 2:31:18 2009 Yes, if you have a good credit history on these ..
Posted: Wed Mar 18 2:28:01 2009 Yes, the creditor or the collection agency can ..
Posted: Wed Mar 18 2:20:46 2009 Yes, once a account is charged off, it can never ..
Posted: Wed Mar 18 2:15:08 2009 Hi Justjade It is very difficult to clear up the ..
Posted: Wed Mar 18 2:07:52 2009 Yes, the creditor can garnish the joint bank ..
Posted: Wed Mar 18 1:37:56 2009 If you live on social security, you need not fear ..
Posted: Mon Mar 16 11:58:37 2009 Since the Statute of Limitation is 4 years for ..
Posted: Mon Mar 16 11:52:56 2009 I'd empathize with you at this one, but before ..
Posted: Mon Mar 16 11:28:18 2009 Yes, each hard inquiry can lower your credit ..
Posted: Mon Mar 16 3:23:27 2009 Your score can only improve if the creditor ..
Posted: Mon Mar 16 3:13:34 2009 Actually the credit score has dropped because of ..
Posted: Mon Mar 16 2:39:35 2009 You should send a debt validation letter and see ..
Posted: Mon Mar 16 2:07:42 2009 If the SOL on the debt has expired, you should ..
Posted: Mon Mar 16 2:03:15 2009 I think that if you pay off the balance in full, ..
Posted: Mon Mar 16 12:32:46 2009 Normally a 30 or a 60 day late payment can be ..
Posted: Mon Mar 16 12:27:55 2009 You need to come to a repayment plan with the ..
Posted: Sun Mar 15 11:55:04 2009 I agree with Carol. Charge off does not mean that ..
Posted: Fri Mar 6 2:55:49 2009 Find out the address of the collection agency ..
Posted: Thu Mar 5 2:54:13 2009 First of all you should check whether the statute ..
Posted: Thu Mar 5 2:30:11 2009 Hi Matt You will get the "response to the ..
Posted: Wed Mar 4 10:35:16 2009 Taking loan is good so long as you are able to ..
Posted: Wed Mar 4 4:21:45 2009 Hi Juanjon To build up a good credit history it ..
Posted: Wed Mar 4 4:13:15 2009 First you should send a debt validation letter to ..
Posted: Wed Mar 4 3:26:29 2009 Yes, CRA is credit reporting agency. These credit ..
Posted: Wed Mar 4 3:12:49 2009 No, the credit bureaus will not remove the ..
Posted: Wed Mar 4 3:09:05 2009 They must send you statements informing you about ..
Posted: Wed Mar 4 2:43:56 2009 You can send a letter by certified mail to the ..
Posted: Wed Mar 4 2:21:21 2009 Hi Pattie I too think that you should file a ..
Posted: Tue Mar 3 3:10:51 2009 First of all can you tell me how old is the ..
Posted: Mon Mar 2 4:13:38 2009 Hi Stariceh You should first check out the ..
Posted: Thu Feb 26 6:49:32 2009 You can send a debt validation letter to CAG at ..
Posted: Thu Feb 26 6:41:54 2009 If you have never made a payment towards the ..
Posted: Thu Feb 26 6:38:25 2009 The creditor can bring judgment against you ..
Posted: Thu Feb 26 5:59:34 2009 You should never close this card as it has a good ..
Posted: Thu Feb 26 5:53:29 2009 You should never close an old credit card account ..
Posted: Tue Feb 24 3:06:20 2009 I agree with Mary. SOL starts from the date of ..
Posted: Thu Feb 19 4:35:32 2009 If the creditor has not provided with the proof ..
Posted: Thu Feb 19 3:02:35 2009 Yes, if you place a security freeze with Experian ..
Posted: Thu Feb 19 2:35:23 2009 As far as I know, it is R&B Receivables ..
Posted: Thu Feb 19 2:25:50 2009 The CA could not locate your account without ..
Posted: Thu Feb 19 1:53:13 2009 I don't think that there is any such number to ..
Posted: Wed Feb 18 6:16:40 2009 Hi dawnwilson An answer is a reply to the ..
Posted: Wed Feb 18 6:04:48 2009 Normally it is very difficult to get a good deal ..
Posted: Wed Feb 18 5:56:02 2009 Your wage can never be garnished without a ..
Posted: Wed Feb 18 5:51:11 2009 As far as I know, after you file a complaint with ..
Posted: Wed Feb 18 5:27:00 2009 The credit bureaus can do nothing if a collection ..
Posted: Wed Feb 18 5:25:08 2009 Lowering your credit limit will not lower your ..
Posted: Tue Feb 17 5:07:08 2009 Hi Guest If the collection agency agrees to ..
Posted: Tue Feb 17 4:37:34 2009 If your account is closed in 2001, it should not ..
Posted: Mon Feb 16 11:42:58 2009 If there is a garnishment, there must have been a ..
Posted: Mon Feb 16 5:10:24 2009 Yes, you get favorable interest rate on any new ..
Posted: Mon Feb 16 5:00:10 2009 Yes, if you want the new line of credit, like ..
Posted: Mon Feb 16 4:19:42 2009 If you are looking for the contact information of ..
Posted: Mon Feb 16 4:15:35 2009 New Jersey is a wage garnishment state and wage ..
Posted: Mon Feb 16 3:29:25 2009 You should immediately pull out your credit ..
Posted: Mon Feb 16 2:05:39 2009 Vantage score is a new type of credit score which ..
Posted: Mon Feb 16 1:55:39 2009 Hi Naomi Justin is right, but there are ..
Posted: Sat Feb 14 6:10:40 2009 No, generally if you go for settlement, the ..
Posted: Sat Feb 14 6:05:46 2009 No, paying off the loan in full never hurts you ..
Posted: Sat Feb 14 5:57:00 2009 Summons are to be answered within the time ..
Posted: Sat Feb 14 5:54:49 2009 Statute of Limitation starts after 6 months from ..
Posted: Sat Feb 14 5:16:52 2009 It is not proper debt validation because the ..
Posted: Sat Feb 14 4:13:49 2009 A summon is generally send to you by certified ..
Posted: Sat Feb 14 3:42:49 2009 Alias summon is basically a second summon issued ..
Posted: Fri Feb 13 5:16:01 2009 Pay for deletion is only an option to remove the ..
Posted: Fri Feb 13 4:44:39 2009 Hi Damian If you are a victim of identity theft, ..
Posted: Fri Feb 13 4:32:54 2009 If you do not default on your payments, your ..
Posted: Fri Feb 13 3:32:47 2009 As far as I know, the report reflects the fact ..
Posted: Fri Feb 13 3:26:25 2009 Before you sue any collection agency, you must ..
Posted: Thu Feb 12 6:46:32 2009 If you have not filed any bankruptcy, you should ..
Posted: Thu Feb 12 6:25:05 2009 Mortgage calculators are useful tools which will ..
Posted: Thu Feb 12 6:20:15 2009 If you have made purchases with your credit card ..
Posted: Thu Feb 12 6:06:55 2009 Since you have received a summon, you should ..
Posted: Thu Feb 12 5:57:54 2009 Hi firefly Whenever you apply for a new line of ..
Posted: Thu Feb 12 5:23:57 2009 First check whether the SOL on the debt has ..
Posted: Thu Feb 12 4:46:59 2009 After you file a response to the summon, the ..
Posted: Thu Feb 12 4:16:29 2009 Yes, I agree with Justin. The SOL has expired ..
Posted: Wed Feb 11 4:15:34 2009 Hi Travelgirl Even if you pay off the debt in ..
Posted: Wed Feb 11 3:50:02 2009 I agree with Scott. Now, if your bankruptcy is ..
Posted: Wed Feb 11 3:11:21 2009 Whenever you receive summon from the court, the ..
Posted: Wed Feb 11 2:59:50 2009 If you want to pay it off, you can do so and get ..
Posted: Wed Feb 11 2:15:36 2009 Yes, you can definitely ask for debt validation ..
Posted: Tue Feb 10 4:04:52 2009 If you get a summon from the court, the first ..
Posted: Mon Feb 9 5:28:13 2009 Before disputing a listing from your credit ..
Posted: Mon Feb 9 5:25:34 2009 As far as I know, if a negative item gets removed ..
Posted: Mon Feb 9 5:23:58 2009 Yes, bankruptcy can be reported for seven to ten ..
Posted: Mon Feb 9 5:22:15 2009 It is an instance of identity theft and so you ..
Posted: Mon Feb 9 5:12:03 2009 Hi Chris If the statute of limitation on the ..
Posted: Mon Feb 9 5:08:06 2009 Hi Adam It is not a proper debt validation. Have ..
Posted: Mon Feb 9 5:05:40 2009 As far as I know, not more than 25% of your ..
Posted: Mon Feb 9 5:00:45 2009 Yes, any negative listing may by reported for ..
Posted: Mon Feb 9 4:34:55 2009 First pull out your credit report and check ..
Posted: Fri Feb 6 1:23:32 2009 Yes, I agree with Justin. The only positive thing ..
Posted: Thu Feb 5 5:51:02 2009 To know the name of the creditor or the ..
Posted: Thu Feb 5 5:37:20 2009 Since you already have a very big credit limit ..
Posted: Thu Feb 5 5:26:42 2009 Yes, higher is the interest rate on new credit, ..
Posted: Thu Feb 5 5:21:27 2009 If the debt has been charged off by the creditor, ..
Posted: Thu Feb 5 5:07:12 2009 Yes, if the collection agency do not respond to ..
Posted: Thu Feb 5 4:43:05 2009 If the collection agency disturb you over phone ..
Posted: Thu Feb 5 4:35:07 2009 Credit score depends on 5 factors - They are your ..
Posted: Wed Feb 4 5:29:24 2009 You cannot get rid of the credit card debt ..
Posted: Wed Feb 4 4:26:47 2009 Hi Luvnet Since the credit card is linked to the ..
Posted: Wed Feb 4 3:53:48 2009 Since after charging off the account the OC has ..
Posted: Wed Feb 4 3:14:05 2009 Since your account has been charged off in 2004, ..
Posted: Wed Feb 4 2:27:37 2009 No, it is not possible to get a home loan with a ..
Posted: Wed Feb 4 1:56:14 2009 No, the creditor cannot take money from your ..
Posted: Tue Feb 3 5:22:49 2009 Even if you do not have a job, you can build up a ..
Posted: Tue Feb 3 5:16:41 2009 Yes, since you have paid off the debt in full, ..
Posted: Tue Feb 3 4:21:54 2009 Hard inquiries are made whenever you apply for a ..
Posted: Tue Feb 3 3:44:01 2009 You should first ask for debt validation from the ..
Posted: Tue Feb 3 3:29:31 2009 Yes, since he has not made the payment in full ..
Posted: Tue Feb 3 3:21:35 2009 No, you do not have any other option. Your bank ..
Posted: Tue Feb 3 3:10:15 2009 Your FICO score depends on 5 factors - credit ..
Posted: Tue Feb 3 2:46:21 2009 You should now pull out your credit report and ..
Posted: Mon Feb 2 3:34:39 2009 According to the fair credit reporting Act, ..
Posted: Mon Feb 2 3:26:21 2009 If you want to file a bankruptcy, you need to go ..
Posted: Mon Feb 2 2:59:15 2009 You can call up Internal Revenue service at the ..
Posted: Mon Feb 2 2:20:47 2009 Yes, it is true that you cannot remove the name ..
Posted: Sat Jan 31 6:38:37 2009 Yes, I checked the link that Scott provided and ..
Posted: Sat Jan 31 5:45:53 2009 Hi Adam You can clean any wrong information in ..
Posted: Sat Jan 31 5:18:49 2009 If the OC with whom you have made the settlement ..
Posted: Sat Jan 31 3:27:13 2009 I agree Scott. However, if your account is still ..
Posted: Fri Jan 30 5:29:32 2009 Since you have received an arbitration claim, you ..
Posted: Fri Jan 30 5:17:03 2009 If they want to garnish your bank account, they ..
Posted: Fri Jan 30 4:52:43 2009 Hi dragon As far as I know, you cannot remove ..
Posted: Fri Jan 30 4:48:31 2009 You should first send a letter to the credit ..
Posted: Fri Jan 30 4:09:10 2009 You should immediately stop making any further ..
Posted: Fri Jan 30 3:56:11 2009 Yes, so long as the debt gets reported to the ..
Posted: Fri Jan 30 3:46:40 2009 Yes, you can file bankruptcy after you have been ..
Posted: Thu Jan 29 5:52:13 2009 Since you have already pulled out a free copy of ..
Posted: Wed Jan 28 5:32:16 2009 You cannot delete the negative listing from your ..
Posted: Wed Jan 28 5:13:54 2009 I have gone through this letter. What I found is ..
Posted: Wed Jan 28 4:51:09 2009 First of all you need to file an answer to the ..
Posted: Wed Jan 28 4:12:21 2009 Since you have received the summon, the first ..
Posted: Mon Jan 26 5:15:37 2009 As far as I know, the TJX Companies has suffered ..
Posted: Mon Jan 26 4:56:49 2009 If you have not made the payment for the debt, ..
Posted: Mon Jan 26 3:48:30 2009 There is no short cut method to improve your ..
Posted: Mon Jan 26 3:38:49 2009 If you pay off the debt in full, the account will ..
Posted: Mon Jan 26 3:00:59 2009 Hi Nick It is very difficult to identify which ..
Posted: Sat Jan 24 2:22:34 2009 Yes definitely, you can try debt settlement by ..
Posted: Fri Jan 23 3:50:09 2009 Hi redsox If you have made your last payment ..
Posted: Fri Jan 23 3:30:56 2009 You can file a motion of discovery but, the first ..
Posted: Thu Jan 22 3:57:56 2009 The time period by which you need to file a ..
Posted: Thu Jan 22 2:48:56 2009 CBSD is a credit and debit card processing ..
Posted: Wed Jan 21 5:16:54 2009 If you want to rebuild your credit, the best way ..
Posted: Wed Jan 21 4:55:18 2009 Hi Amanda Even if you have paid off a debt to ..
Posted: Wed Jan 21 4:31:00 2009 I think that we should not write ..
Posted: Wed Jan 21 3:38:09 2009 If the collection agency validates the debt with ..
Posted: Wed Jan 21 2:46:07 2009 Yes, if you receive an warrant in debt from a ..
Posted: Tue Jan 20 4:59:07 2009 Hi Doctorehargett Your debt has been discharged ..
Posted: Tue Jan 20 4:43:38 2009 Hi Sharon Never close an existing credit card if ..
Posted: Tue Jan 20 4:30:26 2009 Hi Imerge If the creditors sue you to the court ..
Posted: Tue Jan 20 4:24:20 2009 No, you need not send any debt validation letter ..
Posted: Tue Jan 20 3:01:55 2009 Yes, in Chapter 13 bankruptcy, you need to pay ..
Posted: Tue Jan 20 2:24:24 2009 Hi Goodnatured If is seven years and six months ..
Posted: Tue Jan 20 1:58:55 2009 There are a lot of complaint against kingman Cole ..
Posted: Mon Jan 19 6:01:18 2009 Yes, even if they sue you to the court without ..
Posted: Mon Jan 19 5:49:21 2009 Once your mother files bankruptcy, the creditors ..
Posted: Mon Jan 19 5:10:12 2009 Hi Klagunilla You should immediately send a ..
Posted: Mon Jan 19 4:58:41 2009 If the debt is with collection agency and the CA ..
Posted: Mon Jan 19 4:41:47 2009 They are still located at Texas. My first ..
Posted: Mon Jan 19 4:21:25 2009 If the date of delinquency is the same in all the ..
Posted: Mon Jan 19 3:41:33 2009 Hi Victoria If you made the last payment towards ..
Posted: Mon Jan 19 3:37:42 2009 Yes, Missouri laws allow only 25% of the wage to ..
Posted: Mon Jan 19 2:49:48 2009 Hi Goodnatured Missed mortgage payments will ..
Posted: Sat Jan 17 3:50:09 2009 You cannot withdraw your name from the credit ..
Posted: Sat Jan 17 2:26:25 2009 Hi Guest Since your credit card is 8 years old, ..
Posted: Fri Jan 16 3:48:54 2009 Hi Asecndchance Yes, the listing can show in ..
Posted: Fri Jan 16 3:28:22 2009 "Paid as agreed" or "paid in ..
Posted: Fri Jan 16 2:10:04 2009 You should call up your credit card company and ..
Posted: Fri Jan 16 1:44:56 2009 Hi Blorgeagolida In order to edit your profile, ..
Posted: Thu Jan 15 3:38:39 2009 You can get a debt consolidation loan only if you ..
Posted: Thu Jan 15 2:47:28 2009 Cease and desist letter is generally send to the ..
Posted: Thu Jan 15 2:29:33 2009 Hi lizze If the creditor has sued you to the ..
Posted: Thu Jan 15 2:14:56 2009 The Statute of limitation in New York is 6 years ..
Posted: Wed Jan 14 6:10:18 2009 Hi Jenny If you want to get a copy of the ..
Posted: Wed Jan 14 5:51:54 2009 When you send a dispute letter to the credit ..
Posted: Wed Jan 14 3:15:38 2009 Hi Donald If your account is already charged ..
Posted: Wed Jan 14 2:46:34 2009 If you send a DV letter to the creditor and the ..
Posted: Wed Jan 14 2:15:45 2009 Yes, Justin is right. The listing period does not ..
Posted: Tue Jan 13 3:37:42 2009 Hi Echoy Have you opened any new line of credit ..
Posted: Tue Jan 13 3:27:41 2009 As far as I know, Washington Mutual, Bank of ..
Posted: Tue Jan 13 3:13:20 2009 Hi Douglas If you want to go for a credit card ..
Posted: Tue Jan 13 2:33:02 2009 Hi guest My question to you is that how have you ..
Posted: Tue Jan 13 2:21:52 2009 Yes, the creditor has to submit a copy of the ..
Posted: Mon Jan 12 4:22:04 2009 Hi Edelweiss If a debt is covered under ..
Posted: Mon Jan 12 3:28:41 2009 Hi Sophia Since you have no money right now to ..
Posted: Mon Jan 12 3:23:14 2009 Hi Ahmed My first question to you is: How can ..
Posted: Mon Jan 12 3:13:12 2009 Yes, you can still go for debt validation and the ..
Posted: Fri Jan 9 5:33:41 2009 Hi Adam Letter of validation is generally send ..
Posted: Fri Jan 9 4:00:57 2009 You should not disclose any personal information ..
Posted: Fri Jan 9 3:30:11 2009 If the judgment is for $11,444, then you need to ..
Posted: Fri Jan 9 2:50:35 2009 Yes, Justin is right. Even if you go for a credit ..
Posted: Thu Jan 8 6:02:48 2009 If you dispute any debt with the credit bureaus, ..
Posted: Thu Jan 8 4:26:55 2009 If the creditor's attorney has agreed to settle ..
Posted: Thu Jan 8 3:52:20 2009 If you have co-signed a loan agreement, you need ..
Posted: Thu Jan 8 3:31:55 2009 There is nothing to do now. You just need to wait ..
Posted: Wed Jan 7 5:01:24 2009 Since you have received a summon, the first step ..
Posted: Wed Jan 7 4:41:06 2009 In Pennsylvania, the Statute of Limitation for ..
Posted: Wed Jan 7 4:25:56 2009 Yes, foreclosure will destroy your credit score, ..
Posted: Wed Jan 7 3:31:44 2009 Hi Neeraj If the collection agency call you for ..
Posted: Wed Jan 7 2:32:13 2009 Hi Learningfast Since you have not received a ..
Posted: Tue Jan 6 3:41:01 2009 Hi Hary Collection agencies can definitely call ..
Posted: Mon Jan 5 5:32:57 2009 Hi Technical books Creditors will not be ..
Posted: Mon Jan 5 5:01:19 2009 Even if the debt is paid off in full, it will ..
Posted: Mon Jan 5 4:55:31 2009 You are in a better position to get the listing ..
Posted: Mon Jan 5 4:38:11 2009 Just sending outstanding bills is not debt ..
Posted: Sat Jan 3 5:56:00 2009 Since your account has already been charged off ..
Posted: Sat Jan 3 5:18:20 2009 Normally if you become delinquent for a period of ..
Posted: Sat Jan 3 3:47:36 2009 Hi Koraydaver Any negative listing will show ..
Posted: Sat Jan 3 3:36:36 2009 Hi Alana If Loan shop online agree for $120 to ..
Posted: Fri Jan 2 4:49:45 2009 Hi Sorie What I find from your credit report ..
Posted: Thu Jan 1 4:36:11 2009 Hi Jeff The collection agency may or may not ..
Posted: Thu Jan 1 4:04:20 2009 Hi Bendover Are the items that have been removed ..
Posted: Thu Jan 1 3:40:43 2009 Hi ntoxicated It is not at all essential for ..
Posted: Wed Dec 31 5:56:35 2008 You can send a cease and desist letter to the ..
Posted: Wed Dec 31 5:29:22 2008 Your credit score will improve only if the ..
Posted: Wed Dec 31 5:13:24 2008 Any negative listing stays in your credit report ..
Posted: Wed Dec 31 5:03:07 2008 If you have already asked for debt validation and ..
Posted: Wed Dec 31 4:09:53 2008 Since the original creditor still own your debt, ..
Posted: Wed Dec 31 3:45:37 2008 Yes, last delinquency is the date on which you ..
Posted: Mon Dec 29 5:19:38 2008 Hi lostboyca You can go for balance transfer ..
Posted: Mon Dec 29 4:17:56 2008 hi Imdajaz It is a credit forum where we discuss ..
Posted: Mon Dec 29 4:13:25 2008 If you have a low credit score, the rate of ..
Posted: Mon Dec 29 4:10:38 2008 Hi wondermenye To get your credit card number, ..
Posted: Mon Dec 29 3:59:24 2008 It is very difficult to remove this negative ..
Posted: Mon Dec 29 3:48:41 2008 You can get a wide range of repayment options ..
Posted: Mon Dec 29 2:49:30 2008 Yes, I agree with Justin. If you find your credit ..
Posted: Mon Dec 22 3:56:20 2008 Hi Lola If you think that you do not owe the ..
Posted: Thu Dec 18 4:40:30 2008 Yes, since your exempted debt amount has been ..
Posted: Wed Dec 17 5:09:04 2008 Hi Tracy Your vehicle cannot be repossessed by ..
Posted: Wed Dec 17 5:03:18 2008 Yes, I agree with you. Since the entire credit ..
Posted: Wed Dec 17 4:16:23 2008 No there is no way out and you need to first file ..
Posted: Wed Dec 17 3:57:20 2008 You need to send the dispute letter to the credit ..
Posted: Tue Dec 16 5:36:11 2008 Hi wilbur If you do not make any payments ..
Posted: Tue Dec 16 5:21:34 2008 Hi Lou Piniella If this is the case, you should ..
Posted: Tue Dec 16 5:13:47 2008 Hi Chargers Statute if Limitation varies from 3 ..
Posted: Tue Dec 16 5:07:19 2008 Definitely we can help you in this forum, but for ..
Posted: Tue Dec 16 5:00:08 2008 First of all if any wrong information is listed ..
Posted: Mon Dec 15 5:16:00 2008 No, as per the Federal laws, each of the three ..
Posted: Mon Dec 15 5:04:39 2008 Yes, Revolution credit cards are just like store ..
Posted: Mon Dec 15 2:52:45 2008 Hi creditcards I have studied your situation ..
Posted: Mon Dec 15 2:01:46 2008 If you are sure that someone has stolen your ..
Posted: Sat Dec 13 4:07:24 2008 As far as I know, if you have already made the ..
Posted: Sat Dec 13 3:46:41 2008 Hi Chargers Charge off does not necessarily mean ..
Posted: Fri Dec 12 4:46:19 2008 If you can properly negotiate with the collection ..
Posted: Fri Dec 12 4:33:14 2008 I agree with Anthony. I have never heard a letter ..
Posted: Fri Dec 12 4:17:08 2008 Yes, since the debt has already been sold off to ..
Posted: Thu Dec 11 5:11:12 2008 Hi meka34 Yes, chargers has got it right. If the ..
Posted: Thu Dec 11 3:45:03 2008 Yes, since your motorcycle debt is charged off, ..
Posted: Wed Dec 10 4:55:46 2008 Once a judgment is made against an outstanding ..
Posted: Wed Dec 10 2:49:32 2008 Yes, Anthony is right. You can go for debt ..
Posted: Wed Dec 10 2:08:47 2008 Hi Diana There are two options available to you. ..
Posted: Tue Dec 9 3:40:35 2008 Yes, Christopher is right, you can simply call ..
Posted: Tue Dec 9 2:51:42 2008 Yes, Justin is right. You should have first asked ..
Posted: Mon Dec 8 5:26:50 2008 Hi gogetakame You can view your magic points ..
Posted: Mon Dec 8 5:20:34 2008 Hi paullounsbury Before charging off a debt ..
Posted: Mon Dec 8 4:59:17 2008 Since the account was created in Michigan, MI ..
Posted: Mon Dec 8 4:30:58 2008 Hi kisha First of all pull out your credit ..
Posted: Fri Dec 5 5:13:24 2008 Yes, you are right Fireyone. SOL varies from 3 ..
Posted: Fri Dec 5 5:06:54 2008 Yes, Anthony is right. Moreover if your account ..
Posted: Fri Dec 5 3:56:24 2008 Hi Armadillo It is not possible to increase your ..
Posted: Thu Dec 4 3:44:25 2008 Hi Wagler Can you be a bit specific as to which ..
Posted: Wed Dec 3 4:46:59 2008 United Revenue Corporation is a collection agency ..
Posted: Wed Dec 3 4:23:11 2008 In Texas, the Statute of limitation for all the ..
Posted: Wed Dec 3 3:39:51 2008 If you have already paid off the credit card ..
Posted: Wed Dec 3 3:12:26 2008 Unsecured credit cards generally have a much ..
Posted: Wed Dec 3 2:42:07 2008 I want to add one more thing here. If you spend ..
Posted: Tue Dec 2 3:09:55 2008 I think that both Carol and Justin have explained ..
Posted: Tue Dec 2 3:00:53 2008 Hi Greentomato When a credit account goes ..
Posted: Mon Dec 1 4:34:49 2008 Hi Steph I think that you have a value city ..
Posted: Mon Dec 1 3:42:58 2008 I think that you mean to say that your debt has ..
Posted: Wed Nov 26 6:36:41 2008 Hi chefgirl5 Yes, if Chase close credit card ..
Posted: Wed Nov 26 6:30:31 2008 Hi tinlizzy36 Can you be a bit specific about ..
Posted: Wed Nov 26 6:19:48 2008 As far as I know, the creditor has to stop ..
Posted: Wed Nov 26 5:59:21 2008 Hi Porboy You should never ignore an arbitration ..
Posted: Wed Nov 26 4:36:36 2008 I too have never gone to the court but I have ..
Posted: Wed Nov 26 4:05:43 2008 Hi Billy Economic stimulus payment is available ..
Posted: Tue Nov 25 5:52:59 2008 Hi Frank If you want to reduce your credit card ..
Posted: Tue Nov 25 4:42:36 2008 Since you do not have the money to repay back the ..
Posted: Tue Nov 25 4:17:46 2008 I too agree with the fact that even if you know ..
Posted: Tue Nov 25 3:39:06 2008 Since it is your current phone bill, it is always ..
Posted: Mon Nov 24 3:34:11 2008 Before sending out another check you should first ..
Posted: Mon Nov 24 2:23:52 2008 Hi Porboy Can you tell me in which state have ..
Posted: Mon Nov 24 1:50:02 2008 Hi gargabel The site annualcreditreport.com is ..
Posted: Sat Nov 22 4:41:41 2008 Social security number and your date of birth are ..
Posted: Fri Nov 21 3:51:43 2008 Yes, you can move from one credit card to another ..
Posted: Thu Nov 20 4:40:45 2008 It is good to keep many credit cards, but the sad ..
Posted: Thu Nov 20 3:52:38 2008 Hi glynn broks Since you have a good credit ..
Posted: Thu Nov 20 3:48:34 2008 Hi Guest Yes, judgment can be changed once it ..
Posted: Thu Nov 20 3:23:35 2008 Hi judylops For repairing your credit, you ..
Posted: Thu Nov 20 2:10:59 2008 Generally, the charge off listing stays on your ..
Posted: Wed Nov 19 5:18:13 2008 Hi marioncrews You need to go for a debt ..
Posted: Wed Nov 19 4:16:24 2008 Yes, contract papers with the original creditor ..
Posted: Wed Nov 19 4:06:51 2008 Hi Carlita You should first check your credit ..
Posted: Wed Nov 19 3:25:39 2008 If the creditor does not validate the debt, but ..
Posted: Wed Nov 19 3:20:51 2008 Yes, it may happen that the former CA may not be ..
Posted: Tue Nov 18 4:21:33 2008 Hi kallejay Actually they need to validate the ..
Posted: Tue Nov 18 2:46:00 2008 If you have missed your payment for a period of ..
Posted: Tue Nov 18 2:10:42 2008 Hi fireyone You can definitely send a copy of ..
Posted: Tue Nov 18 1:51:48 2008 Yes, instead of borrowing from creditors it is ..
Posted: Mon Nov 17 3:35:51 2008 Since you are making regular payments on the ..
Posted: Mon Nov 17 3:17:04 2008 Hi steve You can contact Wells Fargo and ask ..
Posted: Mon Nov 17 3:06:48 2008 Since it has already been six months, the debt ..
Posted: Fri Nov 14 5:34:53 2008 Yes, you should check up every details before ..
Posted: Fri Nov 14 4:56:40 2008 Hi Osvaldo If the name of a collection agency ..
Posted: Fri Nov 14 4:30:30 2008 Hi Charles If you want to improve your credit ..
Posted: Tue Nov 11 4:58:32 2008 Hi 2005Crossfire Since you have already paid ..
Posted: Tue Nov 11 4:08:34 2008 Hi Theresa You cannot normally get the late ..
Posted: Tue Nov 11 3:58:20 2008 If you pull out your credit report, it would mean ..
Posted: Sat Nov 8 3:45:38 2008 Hi Bryan Palisades has a very bad reputation ..
Posted: Sat Nov 8 3:28:02 2008 Hi Shelia All you need to do is to contact your ..
Posted: Sat Nov 8 3:09:38 2008 Yes, if you do not make payments to your medical ..
Posted: Fri Nov 7 6:29:48 2008 Yes, since you have already paid off the debt in ..
Posted: Fri Nov 7 5:20:18 2008 Hi mohamedhannan You should never disclose your ..
Posted: Fri Nov 7 4:04:55 2008 I think that you should contact the attorney ..
Posted: Fri Nov 7 3:41:26 2008 Hi guest If you want to call wfnnb, you can call ..
Posted: Fri Nov 7 3:20:13 2008 Hi walnutcreek I too think that the SOL for ..
Posted: Fri Nov 7 3:09:30 2008 Hi Tamara Since the last payment was made in ..
Posted: Thu Nov 6 3:50:43 2008 Late payments would be reported to your credit ..
Posted: Thu Nov 6 3:17:27 2008 Yes, if a creditor illegally re-age an account, ..
Posted: Thu Nov 6 2:52:50 2008 You can send a cease and desist letter anytime ..
Posted: Thu Nov 6 2:15:27 2008 Hi Pookie Australian and US laws are not the ..
Posted: Wed Nov 5 4:03:41 2008 I don't think that there is any company which ..
Posted: Wed Nov 5 3:30:04 2008 Hi Pookie You need not worry about the debt ..
Posted: Tue Nov 4 5:42:13 2008 Hi Hallmark Social security benefits can never ..
Posted: Tue Nov 4 4:35:02 2008 Yes, the ads are not associated with the ..
Posted: Tue Nov 4 3:59:13 2008 Yes, Justin is right. If you have not been ..
Posted: Mon Nov 3 6:02:55 2008 You can see an improvement in score soon after ..
Posted: Mon Nov 3 2:09:40 2008 Hi sahm Yes, the Stature of Limitation in ..
Posted: Sat Nov 1 5:14:15 2008 Yes, secured credit card is a very good ..
Posted: Sat Nov 1 4:58:46 2008 Hi simplycindy If the Statute of Limitation in ..
Posted: Sat Nov 1 3:37:53 2008 As far as I know, you should pay the entire ..
Posted: Sat Nov 1 2:57:32 2008 Yes, Justin is right. Before doing anything else, ..
Posted: Fri Oct 31 6:38:05 2008 Hi JT Ordering a credit report would mean that ..
Posted: Fri Oct 31 5:48:26 2008 Hi michelle Since they have called you have over ..
Posted: Fri Oct 31 5:37:13 2008 Hi Tara Palisades collection is a Collection ..
Posted: Fri Oct 31 4:50:44 2008 A default judgment can be brought against a ..
Posted: Fri Oct 31 4:07:10 2008 Hi chargers Yes, you can take cash advance on ..
Posted: Wed Oct 29 6:31:18 2008 Yes, you can disclose your income and other ..
Posted: Wed Oct 29 5:49:11 2008 Yes, only disclosure of social security number ..
Posted: Wed Oct 29 5:13:24 2008 Hi Bruce The first think I would like to know is ..
Posted: Wed Oct 29 4:49:27 2008 Hi 1002543 Most of the secured credit card do ..
Posted: Wed Oct 29 4:36:16 2008 If the debt is still with the original creditor, ..
Posted: Wed Oct 29 3:55:10 2008 With 600 credit score I don't think you will find ..
Posted: Tue Oct 28 4:25:58 2008 A secured credit card cannot be converted into an ..
Posted: Tue Oct 28 4:03:05 2008 Hi usdlo You should send a dispute letter along ..
Posted: Tue Oct 28 3:37:35 2008 You are right jtrenton. If you pay off the credit ..
Posted: Mon Oct 27 5:28:45 2008 Hi JMC MCYDSNB in your credit report refers to ..
Posted: Mon Oct 27 4:20:39 2008 Statute of limitation on all types of written ..
Posted: Mon Oct 27 3:46:03 2008 Actually some of the companies do not disturb you ..
Posted: Fri Oct 24 6:09:00 2008 Hi sdchargers_63 I think that you should try ..
Posted: Fri Oct 24 5:24:11 2008 No, conducting a hard inquiry is not legal ..
Posted: Fri Oct 24 5:13:03 2008 Hi TimmyV Since you have received the letter ..
Posted: Fri Oct 24 5:02:21 2008 Validation does not mean that they will only send ..
Posted: Fri Oct 24 4:53:31 2008 I agree with you 1002543. This forum has in fact ..
Posted: Thu Oct 23 4:09:52 2008 You should be present in the summon and ask for ..
Posted: Wed Oct 22 4:11:50 2008 Yes, I think that this second stimulus of the ..
Posted: Wed Oct 22 3:57:46 2008 Hi AMG The credit repair agencies cannot stop ..
Posted: Tue Oct 21 10:24:56 2008 Hi Jinal You should not allow any unauthorized ..
Posted: Tue Oct 21 4:59:27 2008 Pay for deletion letter definitely works only if ..
Posted: Tue Oct 21 4:51:48 2008 Hi JT Public records like bankruptcies, judgment ..
Posted: Tue Oct 21 4:38:31 2008 As per the fair debt collection practices Act, a ..
Posted: Tue Oct 21 4:19:12 2008 Hi swedishphd Foreclosure cannot be removed ..
Posted: Mon Oct 20 5:07:58 2008 Hi bishida As far as I know, if you terminate ..
Posted: Mon Oct 20 4:43:25 2008 Yes, Anthony is right. Until and unless the ..
Posted: Mon Oct 20 4:04:38 2008 Yes, pay for deletion letter is a very effective ..
Posted: Fri Oct 17 6:17:21 2008 Hi mking78 It is very difficult to get a loan at ..
Posted: Fri Oct 17 5:52:26 2008 You should first pull out your credit report and ..
Posted: Fri Oct 17 5:23:00 2008 You should immediately pull out your credit ..
Posted: Fri Oct 17 3:42:27 2008 As per the wage garnishment laws, the creditor ..
Posted: Fri Oct 17 3:02:22 2008 Yes, if you file a bankruptcy the creditors or ..
Posted: Thu Oct 16 5:05:09 2008 Worldwide Asset Purchasing is a part of West ..
Posted: Thu Oct 16 3:08:02 2008 Until and unless they validate the debt, I think ..
Posted: Wed Oct 15 5:22:31 2008 Hi cs0khunter8 With 700 and above score, not ..
Posted: Wed Oct 15 4:52:58 2008 Hi brandon If you make your bankruptcy payments ..
Posted: Sat Oct 11 4:20:50 2008 If the original creditor accepts your payments ..
Posted: Sat Oct 11 4:04:29 2008 Hi Worried If they call you again, you should ..
Posted: Fri Oct 10 4:07:22 2008 Hi Gabrielzalez I think that you are the ..
Posted: Fri Oct 10 3:36:12 2008 If it is a Chapter 7 or a Chapter 13 bankruptcy, ..
Posted: Fri Oct 10 2:42:39 2008 Generally, the impact of the charge off listing ..
Posted: Thu Oct 9 10:26:25 2008 What I mean to say is that, Colorado laws allow a ..
Posted: Thu Oct 2 7:07:51 2008 Credit score may drop down due to several ..
Posted: Thu Oct 2 5:35:05 2008 Hi Shane Can you be little specific about what ..
Posted: Thu Oct 2 5:26:10 2008 Hi mortgagevictim Statute of limitation for ..
Posted: Thu Oct 2 4:59:28 2008 Hi Mac Even if a company charges off a credit ..
Posted: Thu Oct 2 4:49:53 2008 Hi mortgagevictim Since PMS has sent you the ..
Posted: Thu Oct 2 3:40:32 2008 Hi 2011cardona If you want to find the date of ..
Posted: Thu Oct 2 3:13:12 2008 As far as I know, if the debt is sold off to the ..
Posted: Wed Oct 1 4:34:55 2008 hi wendel34 Even if the company need to shut ..
Posted: Wed Oct 1 3:57:45 2008 Hi Sami C Open ended or written contract depends ..
Posted: Wed Oct 1 3:15:46 2008 Yes, Anthony is correct. But, there are also ..
Posted: Tue Sep 30 3:45:21 2008 As far as I know, under the fair debt collection ..
Posted: Tue Sep 30 2:50:17 2008 Yes, I agree with Justin. This is because having ..
Posted: Tue Sep 30 1:45:52 2008 Even if you pay off the debt, it will reflect as ..
Posted: Mon Sep 29 5:41:03 2008 Hi Nicegirl You can definitely call them up to ..
Posted: Mon Sep 29 5:07:22 2008 Hi Romm If the debt has already been listed in ..
Posted: Mon Sep 29 4:29:18 2008 Hi jaineelewis I think that since you already ..
Posted: Fri Sep 26 6:19:38 2008 I think that if we spend a maximum of 30% of the ..
Posted: Fri Sep 26 6:08:57 2008 A credit union is basically a co-operative of ..
Posted: Fri Sep 26 5:45:34 2008 As per Colorado Garnishment laws, if the ..
Posted: Fri Sep 26 5:06:11 2008 A missed mortgage may be very costly for your ..
Posted: Fri Sep 26 4:54:20 2008 I think that the best reward cards are the cash ..
Posted: Fri Sep 26 3:45:54 2008 Hi Fireyone Mostly all the states in US allow ..
Posted: Fri Sep 26 3:29:07 2008 Hi Goodnatured He can always ask them for a ..
Posted: Thu Sep 25 5:30:30 2008 Hi Goodnatured Ghost credit means having no ..
Posted: Thu Sep 25 4:19:53 2008 Hi John Bond Since the last payment on your ..
Posted: Thu Sep 25 3:38:41 2008 I agree with Anthony. However, the creditors ..
Posted: Wed Sep 24 5:03:02 2008 In Pennsylvania, wage cannot be garnished for ..
Posted: Wed Sep 24 4:11:50 2008 Hi sdchargers Since you are paying back the debt ..
Posted: Tue Sep 23 4:10:45 2008 You should never pay back a debt which has passed ..
Posted: Tue Sep 23 3:48:30 2008 I agree with Anthony. Since the debt is already 7 ..
Posted: Mon Sep 22 3:33:30 2008 Yes, Anthony is right. Even if you pay off your ..
Posted: Fri Sep 19 5:13:50 2008 Since both of you have a good credit score, I ..
Posted: Fri Sep 19 3:49:17 2008 Hi George Mawhinney The best way to check ..
Posted: Thu Sep 18 5:54:04 2008 Hi Lapchild As you have already pulled out your ..
Posted: Thu Sep 18 4:44:38 2008 Hi Chargers Even if the Statute of Limitation is ..
Posted: Wed Sep 17 5:41:48 2008 Unless you authorize a company to draw money out ..
Posted: Wed Sep 17 3:19:09 2008 Hi shaveta First of all welcome to this forum. ..
Posted: Tue Sep 16 4:31:09 2008 Hi Lorri If your credit cards are old and if you ..
Posted: Tue Sep 16 4:19:39 2008 Bankruptcy may stay in the credit report from ..
Posted: Sat Sep 13 5:23:18 2008 Yes, only registered credit companies can report ..
Posted: Sat Sep 13 5:16:43 2008 Yes, credit repair can improve your credit score. ..
Posted: Sat Sep 13 3:44:16 2008 Hi a2sad You should not provide your checking ..
Posted: Sat Sep 13 2:35:17 2008 Yes, the Federal law requires each of the three ..
Posted: Fri Sep 12 5:29:05 2008 Yes, if the Statute of Limitation in your state ..
Posted: Fri Sep 12 4:31:33 2008 Hi Tamera Since the negative listing has already ..
Posted: Fri Sep 12 3:42:58 2008 Hi youngthibbs You can take a cash advance on ..
Posted: Thu Sep 11 5:21:30 2008 Since credit cards are mostly unsecured, the ..
Posted: Thu Sep 11 5:01:27 2008 You are correct Dave. If SOL gets expired, the ..
Posted: Thu Sep 11 3:38:33 2008 Hi Rabarrit Paying off your debts on time does ..
Posted: Wed Sep 10 4:27:11 2008 Hi Gary If the debt collection agency asks you ..
Posted: Tue Sep 9 3:44:20 2008 Hi Linda I don't think that there will be any ..
Posted: Tue Sep 9 2:21:48 2008 Hi Jessica Since you have made your last payment ..
Posted: Thu Sep 4 9:47:16 2008 Yes, after they validate your debt, you should ..
Posted: Mon Sep 1 5:00:20 2008 Yes, I agree with Anthony.You should first call ..
Posted: Mon Sep 1 12:12:08 2008 I agree with both of you. If the creditors harass ..
Posted: Sat Aug 30 3:24:01 2008 Yes, I agree with you Neicy. Since the new credit ..
Posted: Sat Aug 30 2:03:47 2008 Yes, Justin is right. The collection agency ..
Posted: Fri Aug 29 3:27:46 2008 If your wife is not able to repay her loan on ..
Posted: Fri Aug 29 1:56:43 2008 I think if you had your credit score above 700 ..
Posted: Thu Aug 28 1:44:30 2008 Hi Santiago Yes, Anthony is right. The CRAs give ..
Posted: Wed Aug 27 11:59:53 2008 Yes, Justin is right because once you become a ..
Posted: Wed Aug 27 3:10:54 2008 Yes, Anthony is right. But it may also happen as ..
Posted: Wed Aug 27 12:03:38 2008 You can pull all the three reports as it is free ..
Posted: Tue Aug 26 6:06:11 2008 sometimes banks also consider the average score ..
Posted: Tue Aug 26 3:36:42 2008 Sometimes, it happens that the collection ..
Posted: Mon Aug 25 11:19:26 2008 Hi iamabutterbee Yes, most collection agencies ..
Posted: Mon Aug 25 4:45:51 2008 I agree with Justin on this point. If your credit ..
Posted: Mon Aug 25 3:10:54 2008 Hi Vick Since you have never applied for First ..
Posted: Tue Aug 19 11:05:27 2008 Hi Agung A debt is considered a good debt so ..
Posted: Tue Aug 19 6:20:15 2008 Hi ..
Posted: Tue Aug 19 5:50:25 2008 Hi chip71174 I agree with Justin. You said ..
Posted: Mon Aug 18 5:00:32 2008 Before co-singing any loan agreements you should ..
Posted: Mon Aug 18 1:16:25 2008 Yes Anthony is right. There are many discussions ..
Posted: Sat Aug 16 6:17:04 2008 GEMBPPBYCR is on my Experian Report/Who is this creditor? ..
Posted: Sat Aug 16 4:56:20 2008 Hi Fireyone As far as I know, judgments against ..
Posted: Sat Aug 16 3:53:57 2008 Yes, I too agree with Anthony because if you have ..
Posted: Sat Aug 16 2:18:02 2008 Yes, Judgment is a court order which is generally ..
Posted: Fri Aug 15 3:25:05 2008 Hi MARSHA I also agree with the fact that the ..
Posted: Fri Aug 15 1:51:43 2008 Whenever you co-sign an loan agreement with the ..
Posted: Thu Aug 14 4:44:34 2008 What I think it that the employers check the ..
Posted: Wed Aug 13 11:26:34 2008 Repair? ..
Posted: Mon Aug 11 2:47:10 2008 I agree with Justin. However if the debt is sold ..
Posted: Sun Aug 10 11:40:33 2008 Hi bubba22 Most of the negative listings stay on ..
Posted: Sun Aug 10 11:20:11 2008 Yes, Goodnatured is right. There was a lawsuit ..
Posted: Fri Aug 8 3:26:49 2008 It is true that the the practice of how listings ..
Posted: Fri Aug 8 2:55:07 2008 Identity theft may be made by your home members ..
Posted: Fri Aug 8 1:50:49 2008 As per the fair debt collection practices act, if ..
Posted: Thu Aug 7 5:36:34 2008 Hi sdchargers Before going for any credit repair ..
Posted: Thu Aug 7 5:10:41 2008 Vantage Score is a credit score model which has ..
Posted: Wed Aug 6 11:59:53 2008 Justin is right. But as far as I know, there are ..
Posted: Tue Aug 5 7:09:32 2008 I think that you should go for a debt ..
Posted: Tue Aug 5 6:19:15 2008 Hi fireyone The inquirers can easily remove the ..
Posted: Sun Aug 3 11:21:21 2008 Yes, I also believe in repairing credit by self. ..
Posted: Fri Aug 1 11:59:58 2008 Yes, Anthony is right. A debt in one country ..
Posted: Fri Aug 1 12:45:48 2008 If you have already pulled out one credit report ..
Posted: Fri Aug 1 12:14:58 2008 Hi All your boyfriend needs to do is to ..
Posted: Thu Jul 31 11:56:06 2008 Yes, apart from this to have a good credit score ..
Posted: Thu Jul 31 12:16:30 2008 Hi Jerry Each time the lender pulls up your ..
Posted: Wed Jul 30 11:43:49 2008 Hi Un-incorportate Since you have already ..
Posted: Wed Jul 30 3:57:21 2008 Yes, Justin is right. Each hard inquiry in your ..
Posted: Wed Jul 30 2:07:52 2008 I think that pay day loans may be considered as a ..
Posted: Thu Jul 24 3:35:03 2008 Hi c_ross Marc is right, whenever a creditor ..
Posted: Thu Jul 24 12:46:04 2008 I agree with you goodnatured. BBB is the place ..
Posted: Thu Jul 24 12:29:27 2008 As far as I know, there are two types of credit ..
Posted: Thu Jul 24 12:11:41 2008 Yes, it is a regular happening where the ..
Posted: Wed Jul 23 11:35:12 2008 Hi lostrikan24 I too think that going for ..
Posted: Wed Jul 23 4:53:45 2008 Hi fireyone It depends on the type of listing in ..
Posted: Wed Jul 23 4:13:17 2008 If the summon is to evict you from the house you ..
Posted: Sat Jul 19 12:15:07 2008 Hi goodnatured I think it is always better to ..
Posted: Thu Jul 17 5:50:48 2008 I agree with you chargers. Before renting a ..
Posted: Thu Jul 17 3:36:34 2008 You are right goodnatured, but we must keep a ..
Posted: Wed Jul 16 4:14:38 2008 Hi Angel Since the debt is 11 years old, I am ..
Posted: Wed Jul 16 12:06:57 2008 I agree with both of you. Credit card pose a ..
Posted: Tue Jul 15 4:59:23 2008 Moreover, before opting for a pay day loan, you ..
Posted: Tue Jul 15 4:28:51 2008 Hi Joyce Your credit score depends on the amount ..
Posted: Tue Jul 15 4:01:36 2008 Hi Maya Now-a-days most landlords check credit ..
Posted: Mon Jul 14 11:26:12 2008 Credit history contributes about 35% of your ..
Posted: Mon Jul 14 5:04:23 2008 Yes, I too feel that if you do not manage to get ..
Posted: Mon Jul 14 4:14:52 2008 I agree with you goodnatured. Payday loans can ..
Posted: Mon Jul 14 3:42:26 2008 As far as I know, charge off listing cannot be ..
Posted: Fri Jul 11 5:49:09 2008 Since you have all the documents that you have ..
Posted: Fri Jul 11 5:01:49 2008 Hi goodnatured "Paid in full" listing ..
Posted: Fri Jul 11 4:47:47 2008 Yes, the SOL starts from the date of your first ..
Posted: Fri Jul 11 4:34:09 2008 yes chass, you are right. There is no big ..
Posted: Thu Jul 10 5:39:38 2008 Hi laughlinjoyce Goodnatured is right. SS ..
Posted: Thu Jul 10 4:52:28 2008 hi lostrikan Increasing credit limit to increase ..
Posted: Tue Jul 8 11:16:30 2008 Hi goodnatured Sent copies to all the three ..
Posted: Tue Jul 8 2:32:20 2008 I agree with you goodnatured. These forums are a ..
Posted: Tue Jul 8 1:53:35 2008 Hi lostrikan You are true. Raising the credit ..
Posted: Mon Jul 7 3:18:32 2008 Hi Wendy Debt validation letter can be sent to a ..
Posted: Sat Jul 5 12:09:07 2008 Yeah, but both foreclosure and short sale gives ..
Posted: Fri Jul 4 2:17:17 2008 I don't think that you will get an unsecured ..
Posted: Fri Jul 4 12:03:18 2008 I agree with both of you. Most of these stores ..
Posted: Thu Jul 3 11:34:04 2008 Actually if you find your account charged off in ..
Posted: Thu Jul 3 4:13:30 2008 Since you have already opened the account and ..
Posted: Tue Jul 1 11:10:53 2008 I would advice you to contact your debtors first ..
Posted: Tue Jul 1 5:44:36 2008 Since the collection account is of $15 only, I ..
Posted: Tue Jul 1 5:22:22 2008 Hi ahitche1 I think all that you need to do now ..
Posted: Tue Jul 1 4:51:43 2008 Hi password I will suggest you to start with a ..
Posted: Mon Jun 30 12:20:08 2008 Hi Nobody Paying credit card balance regularly ..
Posted: Sun Jun 29 11:46:56 2008 Yeah, Kellie is right. Cleveland based Charter ..
Posted: Sun Jun 29 10:47:13 2008 Hi swift If it is written in the deed that the ..
Posted: Thu Jun 26 4:28:56 2008 Since it got listed in your credit report, it ..
Posted: Thu Jun 26 3:18:48 2008 I agree with you Scott. The Collection Agency has ..
Posted: Sat Jun 21 3:09:28 2008 What I feel is that, since one report is free ..
Posted: Fri Jun 6 5:16:46 2008 Hi royneal70 Although it is true that the ..
Posted: Fri Jun 6 4:18:58 2008 DV letter is the most powerful instrument to deal ..
Posted: Tue Jun 3 10:33:42 2008 Debt validation letters are sent to the CAs to ..
Posted: Fri May 30 4:21:37 2008 I agree with you Randall. If you mention this ..
Posted: Tue May 27 5:02:17 2008 It is true that your car insurance rates depend ..
Posted: Tue May 27 1:35:02 2008 I think we should decide on the topics which ..
Posted: Tue May 27 12:15:14 2008 yes goodnatured, there forums help us a lot with ..
Posted: Mon May 26 4:58:17 2008 FICO scores does not appear in the credit report, ..
Posted: Sun May 25 10:59:38 2008 I think Scott is correct. Moreover, if you forget ..
Posted: Fri May 23 12:52:56 2008 I think that the companies link insurance rates ..
Posted: Tue May 20 11:30:56 2008 It is true that the judgment will always be made ..
Posted: Tue May 20 5:15:39 2008 It would really be bad if hospitals start ..
Posted: Mon May 19 11:12:11 2008 I too think that fireyone is correct. If the debt ..
Posted: Sun May 18 8:54:28 2008 Hi bud I think morningstar is correct. You ..
Posted: Wed May 14 10:55:43 2008 Hi goodnatured You are correct. This forum ..
Posted: Wed May 14 2:01:51 2008 Hi davidboura Firstly, I welcome you to the ..
Posted: Tue May 13 3:01:21 2008 I agree with Oakland CA on this issue. If ..
Posted: Tue May 13 2:34:49 2008 Hi, Beaner Income which constitutes a part of ..
Posted: Mon May 12 11:34:30 2008 Hi Mas I think that you should ask for debt ..
Posted: Sat May 10 4:44:49 2008 I think for online purchases, paypal card is the ..
Posted: Thu Dec 20 12:35:27 2007 I will check out the book too. Is it all ..
Posted: Thu Dec 20 12:20:40 2007 Great information Danielle . Thanks a ..
Posted: Thu Dec 20 12:20:09 2007 What are the cars that you have Susie Did you ..
Posted: Thu Dec 20 12:16:49 2007 If they have access to your account, yes they ..
Posted: Thu Dec 20 12:14:46 2007 You need to the law ofyour state whether it ..
Posted: Wed Dec 12 12:38:58 2007 Better business bureau allows you to do a ..
Posted: Tue Nov 20 1:04:31 2007 Well I dont do anything on a regular basis but ..
Posted: Fri Nov 16 12:08:25 2007 Well thats okay. Im happy being a part because ..
Posted: Thu Nov 15 8:36:32 2007 Hello Dadummy great to see you here. Thats a lot ..
Posted: Wed Nov 7 8:42:49 2007 Hi Debtstinker, I am glad that now I have some ..
Posted: Tue Nov 6 10:20:10 2007 Yes thats true most here are females I guess My ..
Posted: Wed Sep 12 2:03:35 2007 You can go through this ..
Posted: Wed Sep 12 1:39:45 2007 There are various banks which do offer personal ..
Posted: Wed Sep 12 12:32:31 2007 Let me give you some points so that it becomes ..
Posted: Wed Aug 1 10:21:06 2007 Hi, Its true that you will be asked to pay a ..
Posted: Thu Jun 28 1:47:03 2007 I dont know how this happened. Even I am getting ..
Posted: Thu Feb 1 5:45:49 2007 I agree that the collection agency will try to ..
Posted: Thu Jan 11 11:37:46 2007 Yes Theo, prepaid debt cards or secured cards can ..
Posted: Thu Oct 12 10:01:56 2006 it will not affect credit ..
Posted: Mon Sep 4 2:23:52 2006 hi jolei Many home loan companies are ..
Posted: Mon Aug 28 10:44:13 2006 it's good that you are thinking about ..
Posted: Mon Aug 7 3:34:38 2006 There are a lot of ways to boost up your credit ..
Posted: Wed Aug 2 4:17:47 2006 Oops I forgot to cast my vote in my previous ..
Posted: Wed Aug 2 4:15:22 2006 Hey Richard, Congrats to the creditmagic team ..
Posted: Wed Jul 26 4:45:35 2006 Thank Richard for such a useful sample letter. ..
Posted: Wed Jul 26 4:42:10 2006 Do they really have a fixed cycle I dont think ..
Posted: Wed Jul 26 4:40:46 2006 Employers do check credit score and try to ..
Posted: Wed Jul 26 4:30:50 2006 You always have the right to dispute with the ..
Posted: Sun Jul 23 3:17:29 2006 angelina, Personal info like contact address, ..
Posted: Fri Jul 21 12:43:58 2006 TexasGuy, good to see you as a part of our ..
Posted: Thu Jul 20 11:30:12 2006 Hey Almeida, I was going through all the ..
Posted: Thu Jul 20 2:05:40 2006 These pre-approved offers are really a cause of ..
Posted: Wed Jul 19 9:59:59 2006 Hi TexasGuy, To cast your vote you need to ..
Posted: Wed Jul 19 9:30:40 2006 Bankruptcy generally stays in your credit report ..
Posted: Mon Jul 17 10:13:39 2006 Before you start paying your past dues off check ..
Posted: Mon Jul 17 10:49:53 2006 Clearly a violation of the FCRA law if its done ..
Posted: Thu Jul 13 9:28:26 2006 I think its not good to communicate with the ..
Posted: Thu Jul 13 3:55:07 2006 I will be curious to know what is the age of the ..
Posted: Thu Jul 13 2:53:06 2006 FICO score - A complete overviewThe term FICO is ..
Posted: Sun Jul 9 11:42:55 2006 Thanks Richard for the information. Yes, the ..
Posted: Wed Jul 5 10:07:23 2006 I recently pulled out my credit scores from two ..



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