Monthly Archives: December 2008
Can a collection agency continue to report on your credit report if the statute of limitations has expired?
For example, in California the Statute of Limitations on collecting debt is 4 years. So after 4 years, can the collection agency continue to post negative entries in your credit report? People mix this up all the time. The time that derogatory accounts can be reported is governed by the Fair Credit Reporting Act and … Continue reading
Has anyone used personal credit services and received a loan?
Are they legitamite. They are asking for a referral fee and guarantee me getting a loan with bad credit through their lenders, I'm a single mother and can't afford to get jipped, please help They are a fraud…BEWARE….go to link and read stories from others in a bad place like you and gettin taken…!!! http://www.ripoffreport.com/searchresults.asp?q5=Personal%20Credit%20Services&q1=ALL&q4=&q6=&q3=&q2=&q7=&searchtype=0&submit2=Search%21&Search=Search … Continue reading
What to do with unsolicited credit cards?
I have good credit & I trust NO ONE with my personal information. My g/f on the other hand is rather stupid. She'll give out anything to anyone. I tried to help her cerdit out by putting her on one of my cards; the one with the lower limit. Now she gets these unsolicited cards … Continue reading
Is there a registry that I can sign to stop receiving Credit Card Junk Mail?
I know there is the Do not Call reg, but is there one for Credit Cards, I get so many offers either personal or for our businessses and I am so sick of them..you have to shread daily so no one gets your information as well as it is a waste of resources. There should … Continue reading
How can I remove a paid collection item from my credit report?
I have a collection item on my credit report for $245, I have paid it already. How can I remove it from my credit report? Is it better to talk to the collection agency to remove it or directly to the credit bureau? Tnx! They probably won't agree to delete it after you have already … Continue reading
has anyone ever heard of a company called cstr credit services solutions?
This company called me and talked me into letting them help me lower my interest rates on all credit cards and loans. It cost me $699. I gave them my discover card #. Now I'm questioning my judgement. I think I made a mistake. I can't find them online either. Can any one tell me … Continue reading
does it hurt your credit to close out long standing credit cards in good standing? If so why?
I was going to consolidate two credit card onto a new lower interest card and cancel the old cards. However, I was informed that closing the old cards would not look favorably on my credit report. I thought this was strange as good credit reflects on your credit report for 10 years and keepin the … Continue reading
What is the best way to start imporoving poor credit history without improved financial resources?
I have been a full time student for the past ten years. I have significant new debt from educational loans. I have not had significant employment yet–my training will be finished in August. Paying off debt is always best way to look better on a credit report. Just focus on paying off your student loans … Continue reading
How do I prevent my credit report being pulled without my permission?
My credit report says I have too many credit report inquiries. How do I stop that? You put a freeze on it. Forty-three states and the District of Columbia have enacted laws requiring the credit bureaus to enable consumers to protect their credit files with a security freeze. A Security Freeze is placed on your … Continue reading
information about joining a credit union and the services this type of financial institution offers?
i need some information about joining a credit union and the services this type of financial institution offers this is for my BFIN class thanks guys! Here’s another source of information about credit unions: http://www.creditunion.coop/what_is_a_cu.html Hope this helps. Good luck!