But when i try to make arrangements on the $4000, they say they won't show that as the balance owed until the last/final payment is made. Then, once you reevaluate your finances again call and set up payment plans starting from smallest to largest. I took for granted how credit we want you to have good credit scores affected my life. Can you request stuff off your credit even if you defalted but paid off already. I believe you hit the nail right on the head.

When you contact the credit bureaus and you get proof that the new company is reporting the same old debt from another it is called duplicate reporting. Be sure to set up payment plans, get everything in writing and don’t let them we want you to have good credit try to tell you what you can pay, you can get in over your head that way as well. I had a very good bk attorney we want you to have good credit that schooled me well. Asked by CharleneK 3 years ago Flag this Question.

I don't really see anyone answering your question. Now that point deduction technology is finally available to consumers we are able to increase and maintain our credit scores in a short period of time. From that point you can contact each agency personally and confirm total payoff balances and make arrangements for payment.

You want to pay these off first, because the older ones may be getting ready to fall off. The company was threatening to put this on my credit report which I have worked very hard to clear up. However, it was very frustrating trying to get some of the collection agencies to agree to my terms. Take a good hard look at the six remaining, as well as your finances. I have been trying to get it straightened out but there is no way that I can so I gave up. My husband has bankruptcy and i have good credit score, we want to buy a.

Once you have the agreement, you can notarize it if you want, send them a check or a money order. Because of 3 car loans and a mortgage that i co-signed for my credit score went from an 810 to a 549 they defaulted and i couldnt afford to take on the payments. Automatic debit arrangement enables you auto debit to collect your receivables timely and. I had a friend who went to court over a credit card and all she ended up paying was what she owed and the court fees. Find the best american express credit card american express cards offers such as blue from american. Accept car credit offer great car finance, bad credit cars car loans and car leasing deals often.

I took a chance filled out another dispute form printed it out and mailed out the scanned check to my bank showing the dates which the check cleared and how 3days does not equal 30 days no matter what space, time, or universe you live in. Should I have to pay this new collections agency. After the bankrupcy is final if the bank or mortgage co.

Note, when you settle for any amount over $600 of your original debt, you will receive a tax statement at the end of the year. I was told that I could call the business and request them off. It doesn’t really benefit them to go to court, so most of the time it’s just empty threats. In other words, someone who's not a video.

The software recognizes many factors used in credit scoring and assigns a point deduction number per item on a credit report. My friend settled a bunch of her accounts for half and had to pay income taxes on the other half. Professional help with mortgage lenders loan modification help might be a good investment or a. The judge let her get on a payment plan, and she went from having to pay the $3000 they claimed she owed to the $1100 she actually owed less fees.

The assigned numbers will range from 0 to 100+ depending on the type of accounts reported. A dispute letter states that the balance is being disputed. Dispute them all after you paid then as not yours. They made my bank account go severely negative and the company that pulled the money out refused to do anything about it and when I talked to my bank they didn't do anything about it but put it on my credit report. FDCPA (Fair Debt Collection Practices Act) states that there is 30 days from the time you receive your first notice before the agency can report to the credit bureaus. Mortgage protection and life insurance calculator online mortgage insurance comparing all the latest quotes.

The combination of a borrower's total credit picture as well as each individual item we want you to have good credit are factors in determining the score impact of each individual item on a report. If you send a dispute letter to a credit agency by law, they only have to validate the debt. When you file a dispute, the credit bureau you contact is required to investigate your dispute within 30 days.

Now, I am trying to get BOA to report that it is not an open mortgage. I had really good credit until I co-signed we want you to have good credit a loan for my exfiance. Hello Imj1968, Just wanted to ask you since we want you to have good credit you have more experience then i do.

Yet, the mortgage broker says that is not good enough. This sounds like DITY POOL to me, What do you think. Buy and sell used mobile homes, repo mobile homes for sale in texas,. Like Dave says.The best credit in the world is a fat savings account.Focus on that and investing.

I say that because lets say you file bankruptcy and one company fails to 0 out your balance and reports that you are 6k behind which you are not because of the bk. The payment was made and there for you dont owe on that we want you to have good credit anymore BUT they usually didnt update that info. Apr why do i need to have good credit if i don t want to borrow money.

I also saw that the electricity and the gas bill were in the same position. However, if it has been 7 years since the charge off occured, it will fall off your report and no longer affect your score. NEVER let them have access to your bank account. But for you and me there are implications for life's neccessities, some required by regulation, PMI, Auto Insurance, Home Owners insurance. Also don’t call every credit agency all in one day; if you have ten things in collections, and four are set to fall off – let ‘em fall off. I got tired of dealing with their **** and trying to get it removed, so I am just leaving it alone and hope it gets removed like they said.

As another poster said, get them to agree on a smaller settlement amount if paid in full. I got the company to ad mit that it was their fault for not double checking the address, they ended up removing the account from 1 of the 3 credit bureaus. Clasificados gratis para compra venta carros usados en las vegas de servicios y productos en las vegas. Its a fair assumption that if under the 6k past due remark we want you to have good credit is the bankruptcty remark, that they know about it.

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Russ Wermers
University of Maryland
I work for a credit card company and since 2009, if you owe a balance of any kind, they HAVE to send you a statement, its the law.
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Majority of them flatly refused.Even if they are closed and paid i full; they still won't. They just updated my old debts, thanks to my pulling them, and updated them, saying they are now extended 3 more years and are valid. Therefore, if you have a bill that went to collections and they reported that is true and accurate. DO NOT SETTLE unless you are prepared to pay taxes on the unpaid amounts. Heck no, go live it up, don't pay anything and they will all come off the credit report 7 years after the last payment. A Chapter 13, yes, but as I said it is only set up to see if you can save the property from foreclosure.

They will not remove accurate data unless it is outdated or cannot be verified.

I contacted my stated Consumer Affairs Agency and it was cleared up and I received and updated and corrected bill without any impact to my credit report because I paid them off and cancelled my account. It is no doubt a frustrating situation and no doubt they broke the but if you kill them with kindness, i suspect you wont have to escalate very high. No mention on my report that Countrywide ever had it. Yours truly, ------------------------------------------------------------- After writing this letter you should get a reply back from Trans Union and the company who placed the item on your credit and if you dont get anything back then by federal law the company must remove it from your credit report.

So far so good, I haven’t had any major horror stories, about them not reporting that my debts have been cleared.

Not a long time to wait for the next round.huh. It is my understanding that no secured debt can be included in a Chapter 7 bankruptcy. When I inquired 2 months later about why they wouldn't remove it from the other 2 bureaus, they told me they couldn't do that (even though I already had it removed from 1 bureau) and that it would be on my credit report for the next 10 years. Consult a financial, legal or other professional adviser. Next, I took a look at what was set to fall off within 6-10 months left them alone and then I called the collection companies and worked out arraignments for the negatives that were more recent.

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You can get a list of all your debts and collection accounts by accessing your credit score at annualcreditreport.com. Finally I pulled my credit report from all three credit bureaus and went over my entire credit report with a fine tooth comb. ScoreNavigator determines with 92% accuracy the point impact of each trade line on a credit report, whether positive or negative. I should have just called them and explained my situation and set up a payment plan.

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I was told by the credit lady from my credit monitoring service that most accounts don't care to fight for it or reply to your dispute because they already received their money. Be really nice, they will want to help you. This video provides general information about credit and is not intended to advise about your personal financial situation. But to keep raising your score is to continue opening new accounts.

You drove up the balance, benefited from the balances accrued, but why should you have to pay in this Obama age. Where is the regulation and credibility for these so-called credit agencies.

They use a higher risk calculation to charge the consumer more. If you agree on $4000, then make your payments ontime/early and don't miss any and they should mark it as paid/closed. The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control.