DLZ asked:


I want to pay off several credit card collections accounts. I want to handle them myself and not utilize a debt consolidation program because I’ve heard that a “settle” on your credit report still looks bad. How would I go about paying the accounts off AND having them removed? Also, do I have to pay the accounts in full to have the collections removed or can I just pay a high percentage of what is due. ( like 80% )
If the collection agency is willing to remove the collection from your account, will it look like I don’t have credit at all? I have one credit card that I am keeping open, but the others are closed already.
Any ideas anyone? I plan on being debt free by January. I don’t want the accounts removed. I want them to erased the negative account info.
I don’t want the accounts REMOVED. I want to STATUS TO BE CHANGED.
My friend had it done, but i want to know if it is common for a collection agency to do so.

Joyce

ariel_okinawa asked:


In other words, my bankruptcy was discharged at the end of March, when will the credit report relect which accounts were thrown out in the bankruptcy?

Thanks!
DAS: I know that the items stay on the credit report, but they will have a note indicating that the were included in the bankruptcy so that any future creditors can see that the debt is not outstanding.

Randy

The Truth Hurts ! asked:


I have a few bad items on my credit report that add up to at most 2k..I’m really concerned that this might effect my chances of getting a job at the bank.

Phyllis

steevy v asked:


I cosigned on a loan for my brother’s son. I just found out the he defaulted the loan and its now showing on my credit report I was never contacted by the finance company regarding the matter is there way I can have it removed from my report? My brother has made arrangements to pay them. Any suggestions?

Charlotte

Lightening asked:


To take someone on your credit report reporting it as negative , to start, once you receive the credit report, how do you get the creditors in court to dispute with them? Do you take them to small claims court or where do you have court? What if they’re out of state?

Earl

Jim J asked:


I need to disupute incorrect info on my credit report but the toll free # listed want me to buy another credit report. How can I not purchase another report and file a dispute?

Anne

deputy875 asked:


I just paid off a car through a lender that does not report to the credit bureau. I heard you can report it to the credit bureau, but I am not sure how. I have a copy of my payment history and contract, but not sure what all I will need and who to turn it in to?? Any suggestions?

Roberta

Justagirl24 asked:


I have recently reveiwed my credit report through experian credit bureau. Several account paid are still reported as open. Do I contact the credit bureau or the credit agency itself?

Lloyd

Sean R asked:


I checked my wife’s credit report and she has a small collections amount of $23. She was unaware of it and thinks it may have been from her divorce. She thinks her ex-husband never took care of it or failed to provide the bill to her. I’m paying it off so that it’s taken care of but wonder how long it will be on her credit report. With it being paid off now, is it going to hurt her credit for the next 7 years?

Heather

Little Hulk asked:


When you apply for a loan or credit card, the creditor appears on your credit report. Is there anway to erase those inquires?

Gerald