Categories: Finance Tags: away-the-key, edited, message-edited, surey, throw-him
How would they know?
I am looking at my debt to income ratio and my bills are considerably less than what I make per month, but it always says that my DTI ratio is too high. How would they know how much I make
Categories: Rebuilding Credit Tags: always-says, bills, debt, dti, edited, income-ratio, know-how, make-per, message-edited
Medical Bill
I came across this site several days ago, and it has so much useful information. To all those who take time to answer the questions of people like me, I truly would like to say thanks. With that being said, I need guidance on two medical bills on my credit report. CA= IC Systems Inc - Amount Owed $13,332 - Charged off 7/9 CA= CP Credit Management - Amount Owed $575 - Charged off 2/9 I went to the emergency room and accrued these charges. At the time, I had insurance which should have covered this. I am no longer with the company. I did not know about these charges because I moved days after visiting the emergency room Is there any type of way I could get this removed from my CR? I doubt my former insurance company will settle this debt since it has been over a year. If I made payment arrangements, would that increase my score? I would only be able to commit to $50 a month. I am living check to check (like most of us) Any suggestions and guidance is greatly appreciated. Message Edited by mrgbrown on 03-10-2010 08:09 AM
Categories: Rebuilding Credit Tags: after-visiting, charged, credit, emergency, made-payment, message-edited, questions, time
LVNV not showing as a collection on my FICO reports
I've got a collection with a Holloway collection agency, I'm trying to negotiate a delete for them, and I also have an LVNV.
Categories: Rebuilding Credit Tags: account, attention, collection, Credit Card, FICO, fingers-crossed, holloway, lvnv, majority, message-edited, negative, regular-account, the-collection
"Pays as Agreed" help/questions
I have a credit card that i have several lates and missed payments on.
Categories: Rebuilding Credit Tags: credit, Credit Card, credit-report, debt, instant-lump, lates, lates-payments, message-edited, missed-payments, paid-as-agreed, paid-the-debt, report, the-original
Health Care Coll said they deleted from all CRA. Couple other things to…
I had a bill from a Radiology place that never billed my isnurance. I moved and never got bills from them.
Categories: Rebuilding Credit Tags: change-the-time, health, insurance, know-if-getting, medical, message-edited, obama, once-as-unpaid, Rock, time, updated-on-how
Time to get back at it!
Alright guys, after a job loss and getting back onto my feet. I found this forum again and ready to get back to work.
Categories: Rebuilding Credit Tags: collections, credit, Credit Score, forum, house-as-cheap, message-edited, money, paid-the-sucker, paying-off-debt, Real Estate
Old Cell phone bill – confusing reporting – DV response – stuff
Credit Account Nco Fin/22 Status as of [?] Jan, 2010 Date opened [?] Oct, 2007 Date of last activity [?] Oct, 2005 Date closed [?] Not Reported Account number [?] Not Reported Loan type [?] Not Reported Largest past balance [?] $120 Terms [?] Not Reported Account Type [?] Open Account Account holder [?] Individual Scheduled payment amount [?] $0 Descriptions [?] Collection account No contact information provided by Equifax Balance [?] Current Status [?] Past Due Amount [?] $120 120+ days past due $120 Seven year payment history [?] 30 days late 0 times 60 days late 0 times 90+ days late 0 times Worst Delinquency [?] None Reported Message Edited by mauve on 03-08-2010 08:59 PM
Categories: Rebuilding Credit Tags: account-type, credit-account, equifax, last-activity, message-edited, reported, scheduled, terms, worst, year-payment
Hard Inquiries from an Unlicensed CA
So, I've been having a mental battle about what to do with my plethora of inquiries. Almost all of them are from CAs and, it seems, are PP. However, I have a few that ran hard inquiries two or three times in a month (same CAs). In my opinion this is defamation and willful injury. I have been considering the Pay Me Succa letter, with a modification for D&WI. That's when I discovered that several of said CAs aren't licensed to practice in New York. Do I have a leg to stand on with the combination of defamation, willful injury and not being licensed? I do know all about the argument that inquiries only count for a year and go away after two. That's not what this posting is about. I'm respectfully requesting no advice on that topic. Please and thank you. :smileyhappy: My Credit Saga; Message Edited by TheCakeGirl on 03-08-2010 10:03 AM
Categories: Rebuilding Credit Tags: argument, being-licensed, combination, credit-saga, inquiries-two, mental-battle, message-edited, opinion, plethora, posting, willful-injury
Two mortgages reporting, only have one
Last year Citifinancial who had taken over Citiresidential sold our loan to another mortgage servicer after our Chapter 13 bankruptcy was discharged. It is reporting correctly on my Transunion report but on my husband's it is still reporting as an open mortgage, paid on time with no lates but that it was included in our bankruptcy. On my husband's Transunion it says one of the things hurting his score is too much debt and that is because it looks like he have $250,000 in mortgages. Before I dispute this with Transunion will getting it changed to 0 balance help him or hurt him? His Transunion fico score is 665 now. Something else I just realized that even though this mortgage says paying or paid on time and no lates in 7 years in the body of the report, on the understanding your score page that page says the whole mortgage balance is deliquent (You have balances on accounts that are past due and it shows the mortgage balance that was due when the loans was sold.) In the payment history though it says good (very confusing.) In this case how do we dispute that? Message Edited by debtfree09 on 03-07-2010 01:00 PM Message Edited by debtfree09 on 03-07-2010 01:02 PM
Categories: Rebuilding Credit Tags: bankruptcy, loans, message-edited, mortgage, paid-on-time, paying-or-paid, payment, still-reporting, though-it-says, transunion, understanding