Credit report FAQ

Collection agencies?
I have some medical bills from this year that I salaried off. in a minute out of no where their motto I owe 300 dollars, so I fax them the proof that I paid and they still won’t do anyhting. I call the medical place to see if I missed a payment and they said no. So my cross-examine is if the collection agencies they that its on my credit report as bad can they do this?P.S I basically looked at my credit report and there is no medical bills on nearby.

Collection Agency calling…?
If a collection agency is calling but nothing appears on your credit report from the agency almost a debt…What can/should you do?!?

Collection agency HELP?
If I get sent to a collection agency does that automatically tight-fisted it goes on my credit report. I get a letter from a collection company and I call the same time and paid it. They said it wouldn’t step on my credit report just as long as I took fastidiousness of it. Are they ieing. Can they lie nearly that??

Collection Agency nuisance?
I live in Tennessee (USA), be evicted from an apartment complex in 2002, be clearing up my credit report in 2006, and settled the debt next to the agency listed on my report. I next got a consolidated report information bank this debt with another agency and be told that the judgement would only be flecked as paid if the courts get a letter from the unproved collector that the order be filed beside. I contacted them and paid a drop by to show my proof of payment. They told me what I rewarded for had zilch to do with what they be charging for. And of course, they didn’t even look at my rewarded in full memo. The guy told me they charged me for the month’s rent that I was evicted, the subsequent month, and the attorney’s fees. The more recent agency, they said, charged for renovating the apartment. They said I had ten days from later, yesterday (1.8.07), to call them support with arrangements, or they would reinstate the debt. On the most recent agencies paperwork, at hand IS a line item for a/r resident. Advice?

Collection agency on credit report, settle up it or not?
Basically, my husband went to the ER up contained by NY about 3 years for a workers comp luck – he needed stitches in his finger. Anyway, of late figured everything be taken care of through his employer – apparantly not. Jump forward to today – we are living within FL for the past 2 years – husband only just ran credit report and see this collection account in relation to the hospital bill. Long story short, husbands previous employer is no longer in business. I to some extent just clear it, but someone told my husband, even if you pay it, it will still show up on your credit report as a collection – so it doesn’t manufacture a difference if it’s paid or not. Is this true? We are clueless going on for these things. I tried to do some research on the computer, but was bearing too much info for me to understand.Thanks for your lend a hand. I should also add that this is the solitary negative article on husbands credit report – not sure if that matters.

Collection agency posted adverse sitting duck on my credit report that’s not mine?
I asked them for proof (copy of credit application) they said they don’t have and adjectives they can give me is a signed statement from the dune that it was open in my name(but the wall could of made a mistake). I never received any correspondence from the credit card company or the collection agency and this account have never showed up on my credit report until now. I found out in the region of it in November 2006 when my credit win dropped because of this. I contacted Equifax(all they did was contact collection agency that enter the inaccurate data) and the the collection agency. Agency said the ending pmt made was 9/2001 I asked where on earth was statements man mailed explanation they never came to me. They utter I have to rate, but this is not mine. I have excellent credit near low interest, this is going to make my interest rate rear to over 24%. What can I do? Shouldn’t they have to hand over me proof. Do they have to steal this off my credit report until this is settled? Help!Thank you.

Collection Agency Reporting the entry after salaried…?
Two weeks ago, i checked my Experian credit report and saw that a medical bill from 2001 for $96.00 was surrounded by collections. I went on and salaried that off finishing week. I have signed up for “each day alert” of my credit score from EQUIFAX. This entry be never on my EQUIFAX report till yesterday. My score go down by 33 points because of this entry. Can the collection agency report an entry to the credit bureaus AFTER they receive the check ? The status on this account that be reported on my report yesterday is UNPAID…They received the check last week though… What should i do? I want to draw from this removed from my credit report.

Collection Agency?
I have a short time ago recently found out that my credit evaluation has dropped almost a 100 points due to a collection agency putting me contained by collections. This is the first time that i’ve even heard from this agency and it be through viewing my credit report. I’ve never recieved and notifications that any money be due. It said that it is $111. Im currently in Iraq, so my option are limited. Is in that anyway of taking things off your credit report?

Collection Company didn’t verify w/i 30 days, months subsequent on credit report again!?
I had a debt from a collection company for AT&T for roughly $600 as a negative on my credit report. I have sent them a validation letter months and months ago (I contemplate from June-Aug 06). They never responded and they took off the refusal mark on my credit reports. Just a couple of days ago I received a packet within the mail from the collection company axiom that the debt has be validated. The packet included a exceptionally long statement of each give the name I made and my last statment amount. Didn’t rather say that I never compensated it or that I did. Just the last statement.I checked one of my credit reports and they put it on as a cynical remark! I thought that if they didn’t validate it surrounded by 30 days they can reinvestigate for another 15. This has be MONTHS later. I own done some research and I can’t seem to find proper information on how to concord with it. I don’t comparatively understand the FCRA completely…sometimes for a while hard to become conscious. Your help is greatly appreciated.

Collections have it wrong?
Ok, so my wife and I have be getting calls from a collection agency in relation to a hospital visit from a year ago. There have been a mix-up beside paperwork on the insurance company’s end (hadn’t have me listed as “spouce”) and the bill hadn’t be paid. We contacted the insurance and have it corrected. They paid the bill (we hold the check number and date it cleared) but this collections agency keeps calling and say the bill’s still outstanding even after we’ve sent them a copy of the notice from the insurance company. So here’s my put somebody through the mill: What’s our next recourse? We’ve done everything we’re supposed to do. We’ve contacted the right folks and we’re still getting hosed. And how do we get this removed from our credit report?

Collections on my credit report!?
I know that Collections on your credit report lowers your score. I hear that if they are left unpaid, it doesnt do anything and you canleave them unpaid for however various years til they disappear off your report. Is that true? Or is it better for your ranking to pay them? Help!

Collections warning please!?
I have an issue w/ a collections agency. First when I travel to my credit report the agency has lone a po box and no phone #. Once I found them on my credit report (a few years after it posted) I filed a dispute. Nothing. I file several more and then finally someone from the agency call. They told me there be nothing I could do I have to take it up w/ the doc. I call for the doc and explain like I explained to the collection agency. I have 2 ins companies and he only billed one. He said the doc’s bureau he contracted with just provided him the info for the one ins. I said I could call them and procure my file which showed the 2 ins plans. He told me that since he could not bill them I immediately owed the debt. I was upset but anything. We were chitchat about payments and I asked if I discharge him is he going to take precision of the collections and now adjectives the fees w/ them. He said no that is my contract. I said they referred me to you to handle this. He said that be now my treaty. What actions should I rob now?

collections?
I recieved a bill from a collection agency , demanding payment for a bill from 1997. i am sure that this probaly go on and came stale of my credit report.DO I HAVE TO PAY THIS COLLECTION.

combining credit reports?
I have really good credit, but my bf have VERY bad credit, beside outstanding delinquencies from like 5 years ago. what happen when we get married? do they start a alien credit report for the accounts with the 2 of us or “combine” our reports? or in recent times keep us seperate?

comfort near credit report?
how many days,weeks, credit card company obligation to make credit report, on my ssn.thankfulness

Constant continual errors on Credit Report year after year..What is going on??
Anyone else go thru fixing Errors on their 3 credit report with the sole purpose to have up to date errors pop up that take undeniably ages to clear them up only again again surrounded by a few months later more intentional errors pop up? What is REALLY going on here? Is someone making money beside these intentional errors?? Ive been going thru this for 2 years! This nitemare next to these errors on the credit report just wont downfall.

Consumer statement on credit report?
I was looking at my credit report, which includes a voluntary repossession of a vehicle that I had to supply back due to some financial problems I be having, and I be wondering if I should put something in the consumer statement paragraph explaining what happened?

Consummer credit company?
does signing up with a consumer credit company , to survive and pay down your debt, hurt your credit report ? does it lower your fica chalk up ? i want to find this out before i sign up beside a company . thank you

contained by a few months, I will money past its sell-by date a bill explicitly tabled as a charge off-how long till it’s sour credit report?
Is there a service I should use, or are they a scam?

Could a hospital run rear an depiction that have gone to collections?
I am trying to fix my credit but I have a 4000 medical bill that have went to a collection agency on my credit report. The collection agency are tremendously hard race to talk to. I contacted them to fix the situation very soon they wont leave me alone. They are threathning to sue me and they want me to cause a promise to pay over the phone of partly or even a thousand to stop the court case. I fairly would not even deal near them. I would be willing to discharge the hospital. They seem rather more professional. Can I switch back over or should I newly pay the collection agency what I can. I believe if I remunerated the hospital they could forward the money to the agency. How would it be listed on my credit report. ( paying as agreed or something else) Please Help!!

Could I sue somebody for affecting my credit??
I financed a car, and after 2 years settled to trade-it-in on the same delearship for a clean one.They are supposed to pay-off my old coup¨¦ debt to the bank because I get a new one and they are totalling the balance I owe to the topical debt. The delearship is VW, and the financing co. is VW Credit…The thing here is that they paid-off the aged car after 1 month I get my new one and I checked my credit report and I own 1 negative description because that payment be past due for more than 30 days..Can I sue them?

Credit Advice–Please Help–I have 4 collections on my credit report.?
I have salaried 3 in full (today actually), and the 4th is contained by process. When should i expect to see an increase in my credit rack up and how much will i see?? i’m at 595 right now.

Credit Advisor / Guide is near such a entry?
My husband and I are planning on buying a house in September. We know what our credit score are and we know that we have some choices to clear on how we handle our finances surrounded by the next 6 months. We want to reach a deal to someone who actually understand our credit scores and how multiple actions will effect them. We don’t necessitate a Credit Councelor, we’re doing just fine contained by regards to debt. But we could use warning on what are the best steps to take to grasp the best rates in September. Anyone know any where on earth I could look to find a person who can look at our credit report and tender us objective direction on our best options.

Credit Alert – New Employer Added – Same sunshine my aim be raise – could Chase enjoy done this?
A while back I posted some question regarding an issue more or less Chase lowering my limit due to me “not spending enough” during surrounded by specified amount of time. Anyway, I told them over and over that I would not give them green light to pull my credit (3 times to be exact) and that I’d newly find another card and transfer the go together.Last Wednesday, I noticed that they made the ruling to increase the limit support to where it be. Today, I noticed that I have a credit alert stating that I had a contemporary employer, “EMPLOYER” – that was adjectives the info, no address or anything. Could Chase have done this to gain access to my credit report (w/o acquaintance or consent)? If so, is that legal?I haven’t applied for credit within over a month and there be no inquiries added to the alerts.

Credit Beauru info??
Can someone please give me an address or Customer # to the credit beauru? I just this minute had someone widen an acct that is not me!! I also own n address on my credit report that is not mine. It’s such a stress, can somone give a hand me w/ this info.I need to contact them immediatly!Thanks a bunch. I live surrounded by Houston, tx, I don’t know if ya’ll needed that also.

Credit Bureau’s and an unpaid State Tax Lein?!?!?!?!?
Okay, I am in the process of purchasing a home cosigning near my parents. We were supposed to close subsequent week, but the underwriter came put a bet on and said the was a discrepency on my parents credit report. They hold an unpaid tax lein from 1995 that they be not aware of. The underwriter need some sort of resolution on this beforehand the loan can go through. Any fast fixes?…

Credit Card Activation?
If I get a credit card and don’t elicit it, will it cancel itself out after a indubitable amount of time and If it’s not activated will it show up on my credit report?

Credit Card Activation?
If I get a credit card and don’t elicit it, will it cancel itself out after a particular amount of time and will the unactivated card show up on my credit report?

Credit card application denied?
i tried to apply an american express credit card at applyclear.com and my application was denied, 2 months ago i requested i requested credit procession increase from bank of america and it be denied and i applied a second credit card in guard of amrica it was denied as all right, are these things ruin my credit report?

Credit card beside other those credit?
my girlfriend just open a capital one credit card she have a good credit win and credit report. On the other hand, my credit is not so worthy and my FICO is about 500. She be able to grasp me a credit card under her wherewithal one account (but the credit cut back is split between us)Does this help me contained by any way? does it report to the credit bureaus?

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