Credit repair

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Lost so many points

Submitted by Anonymous (not verified) on Mon, 01/28/2013 - 10:38
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My credit score was 689 in the last month. My score has dropped to 650 in this month. There are 5 hard inquiries on my credit report. I have not applied for a single loan in the last month. Why have lenders pulled my credit report? I have lost so many points just because of them.

Breaking the FDCPA law

Submitted by Anonymous (not verified) on Mon, 01/28/2013 - 10:37
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I have defaulted on a credit card. The account has gone to collections. I don’t have money to pay off the debt. The collection agency calls me every week. The collection agency has even started calling my friends and relatives. I have told the collector that he is breaking the FDCPA law. The collector told me that since I have defaulted on the debt. So, I don’t fall under the FDCPA laws. I don’t have any right. Is it really so?

Nothing comes off balance

Submitted by Anonymous (not verified) on Thu, 01/24/2013 - 12:49
Forums

Can you help me please with some internet payday loans? I am in MS & know that pdls are legal here but not sure about internet, how do I find out if these lenders are legal in Mississippi for online lending? I will pay them back but can not afford to pay any more interest every two weeks & nothing comes off balance