Subject: Can anyone asnwer these questions? about credits
Sat Jul 21, 2007 5:29 am
2. i want to apply to two credit cards and make payments on time , but a year ago when i apply i always get denied my credit score now is 618 .. last year it was about 520 ... which type of card do you think i should apply for now , please tell me the exact card...
3. what exactly can i fight off ... which kind of charges can i take of the credit report .. i read all these things that credit people have 30 days to prove to me that they have records of me oweing them money or something? which kind of records can i write letters to have them take it of ... and is it true they have 30 days to respond with proof or it will be taken off?
4. what web site can i order credit reports from that are used for mortgage.. i ordered a credit report from creditreport.com but it is not used for morgage.
5. if i lose a court case for $22,000 and i dont pay them how badly will it affect my credit score? will it be added to my judgement?
6. has anyone heard of lexingtonlaw... they claim to help fix credit scores... are their services usesful , should i use them why or why not?
2. I imagine that now you'd qualify for an unsecured card. There is a site (I think it's bankrate) where you can search for decent CCs.
3. You can try to dispute anything. If you have an unsucessful dispute, you can try again to dispute, for different reasons. Yes there is a "30 day rule," but information removed can always pop back up if verified at a later date.
4. I don't know that the mortgage scoring is available to the public. Perhaps other posters will have more info.
5. If you are being sued for $22k and you have a judgment recorded against you, yeah, your score will drop. I wouldn't expect to obtain much credit with an unsatisfied judgment; esp a mortgage.
I don't understand the second part of the question.
6. I am certain that they do not offer any credit report service that you cannot do. _________________ I don't dream since I quit sleeping
Your personal details (name, email address and phone number) will be delivered to the company advertised on the Creditmagic after ve agreed to go for the counseling session by filling out the no-obligation form. However, it is your discretion to accept or reject their services.
Not all the creditors/debt collectors agree to trim down the outstanding balances, interests, and fees payable by the consumer.
Consumers working with the debt relief companies can still be sued by the creditors/collection agencies.
Debt relief services may have a diminishing effect on the creditworthiness of the consumer. The total outstanding balance may increase as the additional fees get accrued.
The overall amount saved by the consumer through the debt relief services is considered as taxable income by the IRS.