paying off old bad debt
I ahve a question regarding some old debts that I want to clear off my credit report. Is it advisable to pay the collection agency or to pay the original creditor?
Categories: General Credit Tags: collection, collection-agency, Credit, original-creditor, question-regarding, some-old
Portfolio Recovery Goodwill Success!
Thank you to all the members who helped me out, especially william23! I sent a couple goodwill emails out last week regarding collections account from Portfolio Recovery I had paid. I checked my TU report today and the collection is gone! Hazaa! Thanks again to everyone, there really is forgiveness out there in the credit world
Categories: General Credit Tags: collection, couple-goodwill, Credit, last-week, members, portfolio, portfolio-recovery, regarding-collections, the-credit
Concern about score change
Hello friends I have a concern about a collection account from AT&T dated back from 2007 that I paid today 4/27/11. First this account was reported to all 3 bureaus but I disputed it and it was removed from Equifax and transunion but not Experian.
Categories: General Credit Tags: account, balance, bureaus-as-paid, collection, current-scores, equifax, experian, Internet, Payment, resurfaces, services, transunion
Can a business telephone account show up on personal credit?
I started a business last June that I unfortunately had to close. I just got a call from a collection agency that Verizon telephone has sent my account to with an outstanding balance. I opened the account using a LLC. Is there any way that the collection can show up on my personal credit report? Any info
Categories: General Credit Tags: account, business-last, collection, greatly-appreciated, llc, opened-the-account, Personal, personal-credit, the-collection, verizon
One more question from me. Can the original creditor and the CA both report…
Can the original creditor and the collection agency both report the same debt on a credit report?
Categories: General Credit Tags: before-the-one, collection, credit-report, expire-before, restart-the-sol, same-debt, the-collection, the-original
My situation and what I plan on doing in the next few days/weeks
I would appreciate any comments, suggestions, critiques on my plans.
Categories: General Credit Tags: account, after-the-first, collection, collections, credit-card, credit-report, from-the-credit, plans, reporting-clock, transunion
Collection agencies not reporting to CB
I purchased a car several years ago that was repossessed. I now owe a dificient balance which I've been paying for, for several years (on time)
Categories: General Credit Tags: been-paying, collection, dificient-balance, paying-on-behalf, really-hurting
out of the blue collection letter..
Out of the blue, my husband got a collection letter in the mail today for $7000 on some credit card. He can not remember ever having this card . About 12 years ago he had an old charge off on a credit card but this has long been gone from his credit report and he cant remember if this is the same card .
Categories: General Credit Tags: Blue, bureaus-or-does, collection, Credit, credit-card, credit-report, newly-reported, remember-ever
Categories: General Credit Tags: account, agency-ever, amount-isn, been-contacted, collection, collection-hit, debt, report, score, the-collection, the-debt
How to stop repeated inaccurate info posted to credit record?
Since identity theft 2006 that took my credit scores from mid 700s to low 500s, I've managed to clear off the bad accounts and have attempted to reconstruct my credit. Currently scores are 769 TransUnion, 751 Exquifax and Experian was 721 when Broker pulled credit 30 days ago when preapproved for mtg. I use two watch servcices and keep very close watch on my credit report. Since January CheckRite has posted collections dating 2005 - 2006 for $138 Jan, $171 Feb, $175 Mar and now $177 Apr on Experian only. Each month alerts fire, I review the collection and I dispute online. Each month they are removed. But before my score can recalculate, CheckRite posts collection when they submit data to Experian. NONE OF THESE ARE MINE, but I'm suffering with my score being negatively impacted.
Categories: General Credit Tags: Broker, checkrite, collection, credit-bureaus, credit-report, credit-scores, experian, exquifax, identity-theft, Insanity, month-alerts, mtg, obligation, pulled-credit, score, since-january, watch-servcices