I found many errors that I have disputed. I learned it's called revolving credit. I spoke with an attorney who deals with collections and he has stated that if someone has not been contacted within 6 years from the last reporting date on a delinquent account, they are not liable for the fees.

Keep in mind that I did have a car note at this time and I continued to make on time payments. DO NOT SETTLE unless you are prepared to pay taxes on the unpaid amounts. But if you just change some info in each letter instead of retyping each letter, you will save so much time. I pulled my equifax and sure enough it was gone. You can get a list of all your debts and collection accounts by accessing your credit score at annualcreditreport.com.

It took about 10 months to catch up with me and the damage was already done. The software recognizes many factors used in credit scoring and assigns a point deduction number per item on a credit report. I had really good credit until I co-signed a loan for my exfiance. Please think before you co-sign for anyone. I used paper checks that I knew would be scanned into my online bank account as proof. I was complaining about how a creditor was reporting and Equifax took almost 60 days but came back and said there was no such report on my credit.

Keep in mind though that in some cases, companies file lawsuits to collect a debt which extends the time something stays on your report up to 10 years. 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. Positive Credit or lack of positive credit has as much or more impact on a credit score. I also noticed that I sent my car note, which is due on the 24thof each month, out on the 21st. As another poster said, get them to agree on a smaller settlement amount if paid in full.

I kept trying to fix my credit for years, only to do something ridiculous and get myself in even more debt trying to fix it. Especially during a time of econmic morass. So what do you do with that kind of situation.

Your browser does not have Javascript enabled. It is hard, but just don't do anything else that could afffect your credit in a bad way. Sometimes it works out in your favor and the debt will simply be deleted from your credit report. My husband has bankruptcy and i have good credit score, we want to buy a.

Hey Jason, I encourage you to google your states Consumer Affairs Agency. Experian sent me a report on the mail 2 weeks later. This sounds like DITY POOL to me, What do you think. It shows that you're able to manage your credit cards and keep your DTI ratio low. Some of them I have been able to fix, others keep recurring despite constant vigilence. There needs to be more stringent rules governing and a better system of checks and balances for those who can change your credit score with the push of a computer key.

I happened to read an article, and I apologize for not remembering the name of it, that suggested disputing them with the credit bureaus. After the last round of refinancing, our 2.3 refinance mortgage primary residence mortgage rate is now i. Not a long time to wait we want you to have good credit for the next round.huh.

Also, if you can not make a one time payment, inquire about a payment plan to settle the account with your settlement offer. If you need money fast then join our thousands fast online instant loans of customers who have qualified. It seems far too easy for creditors to create the blackmarks that are so very difficult to remove or disprove. I did the same for the two credit cards and the electricity bill. The Certified Letter will provide proof that it we want you to have good credit was sent and the date that it was received. I don't really see anyone answering your question.

They tell me I can only put a statement in with them, Online, you can only pick one of the choices which do not fit. I've tweeted about companies screwing up or not doing their jobs and they get to me right away. No mention on my report that Countrywide ever had it. Apr why do i need to have good credit if i don t want to borrow money. You have to fight this one out yourself, you attorney and bk court are not interesting helping you.

However, it was very frustrating trying to get some of the collection agencies to agree to my terms. I am also very vigilant in checking my credit. Also of major importance, tell them you will pay them, but you want it in writing that they will take the mark off your credit report. I made a deal with a company to pay them off if they promised to take the negative item off of my credit report, but of course they never did. Those state that they must report what is true and accurate to the credit bureaus. Bottom line.check to make sure the BOA account was not a previous account you may have had somewherfe else.

You can always contact the agency and get your info that way. 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. It is no doubt a frustrating situation and no doubt they broke the but if you we want you to have good credit kill them with kindness, i suspect you wont have to escalate very high. Good luck getting back on track – You can do it. Although it’s neither here nor there I just wanted you to know the type of debt I was in, and that I can relate to your frustration. 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.

Ignorance and laziness played a big part also. 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. I also explained that these are well over seven years old and should no longer be reporting. So I filled out the online dispute form and explained that, the original gas company I had an outstanding collection w/ resold my debt to the company that took over and now it appears as if this is a new debt.

It is my understanding that no secured debt can be included in a Chapter 7 bankruptcy. If it is still on the credit report(s), I suspect that if the property eventually ended up in foreclosure and sold with more money owed that the property sold, this is what is appearing on your credit report. Sure enough, the next month when I reviewed my credit report, the electricity, gas and one of the credit card negatives were gone. The NEW collection amount was the original amount, but the new company added $2500 on for their percentages. Please alter your browser's settings to we want you to have good credit allow Javascript before continuing.

For the first month, they all reported to the credit file that it was paid off in full. I have documentation that the mortgage was included in the bankruptcy. Looking for lease option or owner lease option 3br 2ba home financing br, ba with fire in.

Jun from what i hear, your federally guaranteed settlement loans for less student loans for me, about of. Under the fdcpa, a debt collector is someone stop collector calls who regularly collects debts owed. I should have just called them and explained my situation and set up a payment plan. Use this information to call and make arrangements. I had to get a credit card through my bank because none of the major card companies would consider me.

I have had to do it for old medical bills and a $40 energy bill. I made sure I documented every call and every person I spoke to, I didn’t ask for them to remove the debt from my report, because I didn’t want my credit history to appear shortened. 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. I believe you hit the nail right on the head.

If you believe that any of the information found on this report is incorrect, there are 3 ways to launch an investigation about the information on this report. They will not remove accurate data unless it is outdated or cannot be verified. I didn’t think there was ANYWAY I could get out of it, however no matter how deep in debt you are, there is always a way out, you just have to have patience and determination.

Have occurred in the last decade and are letter of credit sample not reflected in the content below. I guess you have to leave everythinga lone it seems for about ten years then you might have improvement. You want to pay these off first, because the older ones may be getting ready to fall off.

Dispute them all after you paid then as not yours. This video provides general information about credit and is not intended to advise about your personal financial situation. 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. By letting the 6k sit there, that is a passive aggressive attempt to collect a debt which violates the aforementioned companies. When you file a dispute, the credit bureau you contact is required to investigate your dispute within 30 days.

Paying old debts on your credit report is a VERY BAD idea. I wanted to fix my credit and tried to start opening debts one by one and paying them off. Some users may post messages that are misleading, untrue or offensive. If you send a dispute letter to a credit agency by law, they only have to validate the debt. I have been putting up with this CRAP for years because there are so many other women, up north in my former area, with the same name only separated by middle initial. Even when the credit report isn't complete truth.