Forum- RSS Feed
Forum- RSS Feed

• What goes into the FICO score?
  Can anyone help me understand how the different factors affect my FICO score? For example, is it better to cancel a card or leave it open with a 0 zero balance so as to lower the percentage of credit used?
• Is responce to alias summons necessary if bk pending
  I have made the decision to file bankruptcy ASAP but have not yet actually filed. I just received an alias summons from a collection agency on a credit card bill about 6 years old ($20.000). Do I need to file the appearance, get court date, etc? or should I just ignore it because it should all get included in the bankruptcy filing anyway?
• Sent DV letter, now a civil summons
  On, 11-10-08, I sent a DV letter (Cease and Desist was at the bottom of it too) and it was received and signed for. The company has left 3 voicemails since, so I called them back, spoke with a rep who tells me that they have received the letter but don't know where it is...he states they'll get me the validation I'm requesting and that they won't call ma again...now today the sheriff just brought a civil summons to the door from this company....what to do, aren't they violating...still collecti...
• help may be on the way
  I heard on the news the other day and did find it by googling credit card reform that new federal regulations will be put in place to protect the consumer. Some things that are highlighted are that the credit card company can not raise your rate until you are at least 30 days late. Good for the consumer, but the credit card companies are complaining saying that they will lose a ton of money. They will not be able to offer the 0% introductory rates and that they will need some time a year or so t...
• Establishing credit... Or "RE"-establishing it...
  andquot;How can I establish credit?andquot; This is the question I get asked as much as any other, and the answer is very simple... andquot;SLOWLY, AND CAREFULLY.andquot; Now if that isn't quite as specific an answer as you were hoping for, I offer this... You need to start with revolving credit. Simply put, you need to get a credit card, and manage it responsibly. **pay on time **keep the balance as low as possible **pay it off as early as is possible (don't wait for the bill-pay it online!)...
• credit
  i file a bankruptcu a year ago running 60 to 90 days late on my cars what can i do
• How do I find ou if I have an actual judgment against me in
  I had my credit pulled and to my surprise I have a judgment against me. I was never served with a summons to appear. How do I find out if there is a judgment against me?
• AGFC Americharge?
  AGFC Americharge? What is this?
• Collection Company contact info... (My holiday gift to YOU!)
  So many people ask for contact info for collection agencies, I thought I'd make a (partial) list of companies for which I have information available... The information is FREE, you simply need to visit my website, and email me directly through it... Just follow the link to my site, and email me, through the andquot;ABOUT USandquot; page... Be sure to mention Credit Magic, so I'll know where you came from... And here's the list..... If you don't see what you're looking for, no problem... ...
• Is anyone haing diffuculty with Experian credit bureau???
  Experian seems to be taking advantage of people trying to repair credit, my acoounts on their C.R. are re-aged, inacurate etc. I've gotten both andquot;myficoscoreandquot; AND andquot; experian andquot; credit report they both have innaccurate info. is anyone else having this problem??? let me know please. thanks
• Can a visa card be a revolution card?
  I have this chase card with Visa stamp on it. but in my credit report, it says andquot;Revandquot; under the column of type. Dose it mean I have a revolution card?
• i owe 6,550 should i put in like 600$ to see what they say
  in one question on this form it states settlement in full: accept_______ should i put a amount there then it says discharge of indebtedness of 600$ or more requires filing with the IRS form 1099c
• what does reage mean
  reage to current status its on a old loan that i still owe on
• Bankruptcy: Conditions to file bankruptcy
  Hi I am new to this forum. I have huge outstanding debts and I don't have any income right now to repay these debts. If I file a bankruptcy, can I get rid of all my debts. Will my credit score be affected because of filing bankruptcy.
• can you help me pay off the loans
  i need help
• ID THEFT
  Ok I'll try to explain this as briefly as possible. I have a very distant cousin ( he was adopted, ran away, I've never met him) who happens to have the same name as me. Last year I started getting random bills that I knew werent mine, so eventually I called a company to see why they sent it to me. Turns out they had my name and Social on file. This was alarming, so I checked my credit, and found tons of past due bills that werent mine. Most of them were simple things like cell phones bills, ...
• Auto contracts
  Does anyone know, if you default for a bit, like 3 months, on an auto loan, but then start up repayments ( father passed during the months in question) and the company accepts the payments, when they start up again, if the company can take you to court to demand return of said vehicle. amount owed on vehicle is almost paid in full. payments have been regular and over paid. I currently have an alias summons to appear and am just afraid I've been making these payments when the vehicle might be ...
• What will happen to my credit score ?
  I am in my 50's and have had perfect A1 credit scores all my life. I made a bad R.E. investment and I am thinking of walking away and not closing. I will default on this mortgage. What will this do to my credit ?
• FCRA: Fair Credit Reporting Act
  As far as I know, under the Fair Credit Reporting Act (FCRA) the three credit reporting agencies of US can only list correct information on our credit report. But I would like to know, what are my rights under the Fair Credit reporting Act. Under most cases, we find incorrect information in our credit report like unauthorized hard inquiry and debts which we do not owe. I would like some of the members of this forum to help me out by focusing on my rights under FCRA.
• Revolution Card
  Revolution Card - Why doesn't it back by the gov. like Visa and Master Card ? Does my credit get affected if I start using this card ?
• Student loan; late payment removal, without damaging my cred
  Hello, I have been visiting this site for a month or so, and I have found the information invaluable! I was hoping to get some advise pertaining to my particular situation... My dilemma is as follows: I have a student loan with quite a bit of late payment history on it! My andquot;Account Historyandquot; can be read as seven months late at 90+ days, or literally; 150 days as of Nov 05, Oct 05, Jun 04 120 days as of Sep 05, May 04 90 days as of Aug 05, Apr 04 Although following this histor...
• denial letter
  I recieved a summons to a credit card debt. I want to provide a general denial letter to the court. does anyone have a form letter i could look at to get some ideas. Should i deny everything or be more general.
• Debt Validation
  There is an important question that I have been unable to find any reliable information on: What, exactly, constitutes validation of debt? The statute (FDCPA) says that such validation must be provided by a debt collector when requested to do so by the consumer, or cease collection activities. However, it does not say what that validation should consist of. Thus, it seems that this determination has been left to the courts. The only decision that I have been able to find on this was rende...
• stop garnishment asset acceptance
  asset acceptance has started gar