I paid a credit card off in 2001 (Conseco) and now i%26#039;m getting letters saying that I owe. I had a Conseco mastercard, Conseco filed for bankruptsy, shortly after I paid them off. If I owe them money, how come it%26#039;s not on my credit report? I don%26#039;t have any proof that I paid the debt off. I think alot of files were lost, when they filed for bankruptsy.|||It%26#039;s probably off your credit report as it%26#039;s beyond the seven year allowable time period allowed under the Fair Credit Reporting Act for defaulted/charge-off debt....
It%26#039;s sounds like a bottom feeder collection agency bought the old debt....If it%26#039;s beyond the statue of limitations for your state there%26#039;s nothing they can do to you except try to annoy you into paying them. Just send them a Cease Communications letter.|||This is likely a junk debt buyer. Chances are this debt is past your states statue of limitations, meaning you do not have a legal obligation to repay that debt. Either way, the 7 year reporting is or will be up this year, so they can%26#039;t list it to your credit report.
Send this company a demand to validate letter, include that they prove this debt is not past your states statue of limitations.
Chances are you%26#039;ll never hear from them again.
http://www.creditinfocenter.com/rebuild/...
Monday 9 February 2009
Whats the best way to get out of date info off of your credit report? Are there people who do this for you?
I am one of millions (I think) who have a lot of incorrect info on my credit report... All of the stuff on there is accurate as far as the companies I have done business with but some of the stuff is out of date such as me owing money when an account has actually been paid off completley. Any help in the right direction would be helpful. Thanks.|||www.creditinfocenter.com do it yourself for free|||you can do it yourself.we paid abunch of money to a place for help and it only hurt us.they didnt get a thing done so we did it ourself and got it all done and are finally rebounded from identity theft.call the places where you have paid them off and tell them your credit report is still showing them unpaid,they will usually have it taken off reports.stay on the places till they do and you can actually send credit bureaus its paid off to and they will correct it if you ask them.|||I was a victim of Identity theft and anyone who has been a victim of this knows how hard it is to correct. I was unable to do it adequately myself so I hired Lexington Law Firm. They have fixed incorrect items and disputed fraudulent ones. They have been very good.|||This is one of the biggest problems people have with their credit reports!
Look at my website! I have a lot of information on this subject as part of a website devoted to credit repair! You can hire Lexington Law and I have used them, but this is something you can do yourself and I go into this in detail.
I got 10 items deleted from my credit report and this made my score go up by 140 points out of 236!
My score was 486 and it%26#039;s now 730!
Look at my website! I have a lot of information on this subject as part of a website devoted to credit repair! You can hire Lexington Law and I have used them, but this is something you can do yourself and I go into this in detail.
I got 10 items deleted from my credit report and this made my score go up by 140 points out of 236!
My score was 486 and it%26#039;s now 730!
Can an online gambling website make a negative report on your credit report?
I did not charge anything to an online gambling website, but I%26#039;ve received an email from them saying I did and threatening to post to my credit report. Can they do this? I never visited the site, certainly never signed anything, and I thought online gambling was illegal in the US anyway!|||Well, if you didn%26#039;t charge anything to that site, they don%26#039;t have any of your information. They can%26#039;t get into your credit information if they don%26#039;t know who you are.|||It sounds like phishing to me. Be careful.|||Any monies you owe that is not paid can damage your credit report.
weather or not you actually do is a matter you need to take up with their collection agency.|||Somebody%26#039;s lying, maybe it%26#039;s you.|||Sounds like you might be the victim of identity theft. Another possibility is that this is spam email that is enticing you to enter credit card information on some bogus web site. Do not just surf to such a site and enter your credit card or other identifying information.
If I were you, I would CALL my credit card company immediately. TALK with someone about possible charges. If the charges have been made, suspect identity theft. If the charges haven%26#039;t been made, you%26#039;ve received an email scam.
Most US credit card companies (such as MBNA and Capital One) don%26#039;t allow charges to offshore Internet casinos.
weather or not you actually do is a matter you need to take up with their collection agency.|||Somebody%26#039;s lying, maybe it%26#039;s you.|||Sounds like you might be the victim of identity theft. Another possibility is that this is spam email that is enticing you to enter credit card information on some bogus web site. Do not just surf to such a site and enter your credit card or other identifying information.
If I were you, I would CALL my credit card company immediately. TALK with someone about possible charges. If the charges have been made, suspect identity theft. If the charges haven%26#039;t been made, you%26#039;ve received an email scam.
Most US credit card companies (such as MBNA and Capital One) don%26#039;t allow charges to offshore Internet casinos.
If i request my credit report from the credit companies?
If i request my credit report from the credit companies will it lower my credit score?|||No, this is what%26#039;s called a soft pull and does not count against you.|||No, there is a law that the credit reporting agencies have to provide you with this once per year - free of charge. If you want these free reports you can go to annualcreditreport.com and follow through the prompts to get all 3 reports online.|||Not at all. It is your right to have this information. In fact, it could actually improve your score. The reason being is if you get your report and find incorrect information and have it removed your score could be improved. If you never get your report then your score would stay where it is or get worse. If you want to find out how you can improve your score up to 249 point in 90 days check out http://www.your-credit-solution.com/cred... .|||possible
but they are not accurate.
did the sam ething and thye never posted my correct job.
but they did say my bills are paid off.
so confusing
can I have a BA please|||No, it will not. The government has given you the right to know your credit score without effecting the score.
There are many places to get a free credit report; here is the best one that I have found: http://www.keyblast.com/1.php
good luck!|||Not at all, the only thing that will lower your score is if a credit granter pulls your report, also known as inquiries.
but they are not accurate.
did the sam ething and thye never posted my correct job.
but they did say my bills are paid off.
so confusing
can I have a BA please|||No, it will not. The government has given you the right to know your credit score without effecting the score.
There are many places to get a free credit report; here is the best one that I have found: http://www.keyblast.com/1.php
good luck!|||Not at all, the only thing that will lower your score is if a credit granter pulls your report, also known as inquiries.
How long does a "charge off" stay on my credit report?
I looked at my credit report for the first time and saw that there was a charge off from a bank that had repo%26#039;d my car back in 2001. To this current month, it still shows in the red. How can I stop this so my credit score can get better? and..how long will it stay on there? Should I be paying the bank back?|||Paying off the loan won%26#039;t stop reporting of the past delinquency, but it will mark the debt as paid -- which may modestly improve your credit score as well as put you in a more favorable light with other creditors.
Delinquencies/defaults are reported for 7 years from the date the most recent delinquency began. Generally, for a default that clock starts running 6 months prior to when the loan was charged off (because loans are charged off once they%26#039;ve been non-performing for 6 mo). After that 7 years has passed, the adverse information must be removed from your credit report under law (Fair Credit Reporting Act).|||yes you should pay the bank back. That%26#039;s what will get your credit rating back up.
It can stay anywhere from 2-7 years|||It can be on there up to 10 years. But, the truth of the matter is that if you can get the creditor to take it off your credit report, they can force it through earlier. We used to do that for people who had $0 balances and were about buy a house and needed a loan, and were giving us trouble about how bad it looks on their credit report. The catch is that it must have been on the credit report long enough for us to feel that they would not get a returned check on their account or any other error debits (usually 2 years).|||paying is the one sure way of getting it off your record -- other wise it will stay there for several more years!!!|||The car was your collateral, so you shouldn%26#039;t own the bank anything.
Something like that will stay on your credit report for 7 to 15 years, depending on what state you live in.|||its not going anywhere. the original creditor can keep it there 7 years then sell it to a collection outfit who can report it as their debt for years and then sell it to another agency who will report it as their debt etc.
best bet is tring to get 40-50% of what you owe and try to settle the debt|||Forever, it%26#039;s supposed to drop off after 7 yrs but as long as it is resubmitted it will always be there and I don%26#039;t know why but they do resubmit. No you don%26#039;t have to pay the bank the wrote it off on taxes and if you do pay the bank they will not change the rating on your credit but they will resubmit the charge off so either way makes no difference and don%26#039;t listen to the guy that works in a bank I have worked in banks and now I am a Mortage Broker so I know more about finances
Delinquencies/defaults are reported for 7 years from the date the most recent delinquency began. Generally, for a default that clock starts running 6 months prior to when the loan was charged off (because loans are charged off once they%26#039;ve been non-performing for 6 mo). After that 7 years has passed, the adverse information must be removed from your credit report under law (Fair Credit Reporting Act).|||yes you should pay the bank back. That%26#039;s what will get your credit rating back up.
It can stay anywhere from 2-7 years|||It can be on there up to 10 years. But, the truth of the matter is that if you can get the creditor to take it off your credit report, they can force it through earlier. We used to do that for people who had $0 balances and were about buy a house and needed a loan, and were giving us trouble about how bad it looks on their credit report. The catch is that it must have been on the credit report long enough for us to feel that they would not get a returned check on their account or any other error debits (usually 2 years).|||paying is the one sure way of getting it off your record -- other wise it will stay there for several more years!!!|||The car was your collateral, so you shouldn%26#039;t own the bank anything.
Something like that will stay on your credit report for 7 to 15 years, depending on what state you live in.|||its not going anywhere. the original creditor can keep it there 7 years then sell it to a collection outfit who can report it as their debt for years and then sell it to another agency who will report it as their debt etc.
best bet is tring to get 40-50% of what you owe and try to settle the debt|||Forever, it%26#039;s supposed to drop off after 7 yrs but as long as it is resubmitted it will always be there and I don%26#039;t know why but they do resubmit. No you don%26#039;t have to pay the bank the wrote it off on taxes and if you do pay the bank they will not change the rating on your credit but they will resubmit the charge off so either way makes no difference and don%26#039;t listen to the guy that works in a bank I have worked in banks and now I am a Mortage Broker so I know more about finances
Can I get this removed from my credit report?
I have a statement on my credit report for a bill that was paid but paid late in 2003. The bill was paid late BY MY INSURANCE COMPANY after I made my copay. Can I get this removed from my credit report? How? Is their a specific explanation I can provide?|||You should request a debt validation. The collections company is required to provide specific details of how they came to the conclusion of how much you owe.
While you are waiting for a debt validation you should contact your insurance company and tell them what is going on and tell them you need proof they paid so you can turn it over to the collections agent. This will likely need to be more than an explination of benefits, it will probably need to be a canceled check, which shouldn%26#039;t be too much of a problem.|||You that this is a closed tradeline correct? Not a collection.
This can not be removed from the report, however,maintain evidence as to what transpired. If it is questioned by lenders, you have the proof|||You can ask to have an explanation put into your credit file, but you won%26#039;t have it removed. What many folks do not understand it that THEY are the responsible creditor involved in paying medical charges. If the insurer pays late, it goes on YOUR credit report, not the insurer%26#039;s, since you are responsible for the bill.|||sorry it will be next to impossible to get it removed|||Explanations fall on deaf ears and can only hurt you, but there is something you can do. Chances are your medical provider had an agreement with you in which it agreed to bill your insurance and wait for payment. Did the provider advise you that it was waiting for a tardy payment and give you a chance to remedy the problem or did it just hit your credit record? If it just hit your credit record, I suggest disputing the item directly with the credit reporting bureaus as misleading as is your right under the Fair Credit Reporting Act. The item is misleading because it does not provide all the information and makes it appear that you do not pay your bills on time. However, DO NOT ATTEMPT TO EXPLAIN THE SITUATION, just send in the dispute stating that the item is misleading and requesting that it be investigated by the credit bureau.
Also, contact the medical provider directly and remind them that they did not give you a chance to make the payment yourself. Ask them to voluntarily change the item with the credit bureaus. Adam Fullman|||probably i think so call and see
While you are waiting for a debt validation you should contact your insurance company and tell them what is going on and tell them you need proof they paid so you can turn it over to the collections agent. This will likely need to be more than an explination of benefits, it will probably need to be a canceled check, which shouldn%26#039;t be too much of a problem.|||You that this is a closed tradeline correct? Not a collection.
This can not be removed from the report, however,maintain evidence as to what transpired. If it is questioned by lenders, you have the proof|||You can ask to have an explanation put into your credit file, but you won%26#039;t have it removed. What many folks do not understand it that THEY are the responsible creditor involved in paying medical charges. If the insurer pays late, it goes on YOUR credit report, not the insurer%26#039;s, since you are responsible for the bill.|||sorry it will be next to impossible to get it removed|||Explanations fall on deaf ears and can only hurt you, but there is something you can do. Chances are your medical provider had an agreement with you in which it agreed to bill your insurance and wait for payment. Did the provider advise you that it was waiting for a tardy payment and give you a chance to remedy the problem or did it just hit your credit record? If it just hit your credit record, I suggest disputing the item directly with the credit reporting bureaus as misleading as is your right under the Fair Credit Reporting Act. The item is misleading because it does not provide all the information and makes it appear that you do not pay your bills on time. However, DO NOT ATTEMPT TO EXPLAIN THE SITUATION, just send in the dispute stating that the item is misleading and requesting that it be investigated by the credit bureau.
Also, contact the medical provider directly and remind them that they did not give you a chance to make the payment yourself. Ask them to voluntarily change the item with the credit bureaus. Adam Fullman|||probably i think so call and see
Am I responsible for a partially unpaid ambulance claim? And can it go on my credit report?
To start an ambulance was called for my husband by a stranger and he really didn%26#039;t need one. The bill was $950 our insurance paid $500 of it. I did try and work out a payment plan but I can%26#039;t afford what they want each month and they won%26#039;t accept anything less.
1st - Are we responsible for the rest?
2nd - If I pay what I can afford can it still go on his credit report?|||if he didnt really need one, he could have refused to get on.. they cannot take you with out your permission unless you are not in the right mind..
if he got on the ambulance, yes you are responsible for the rest...
if they have turned it over to a collection agency, it will go on your credit report...|||There%26#039;s obviously more to the story than you are providing.|||Apparently the service was accepted, so I believe you can be billed and responsible. They did get about half from the insurance so why they won%26#039;t work out a payment plan, I do not know. Yes, uncollected debts can go on credit reports.
Do you have a local consumer affairs department? reporter? ombudsman? Someone there might be able to get them to cooperate with you or even write the sum down.
Further proof that even the insured are NOT protected from high medical bills--clearly this was not an 80/20 pay but basically 50/50. I hope this sinks in for folks (you didn%26#039;t do anything, but I read so much misinformation re: health care that it%26#039;s sickening).
1st - Are we responsible for the rest?
2nd - If I pay what I can afford can it still go on his credit report?|||if he didnt really need one, he could have refused to get on.. they cannot take you with out your permission unless you are not in the right mind..
if he got on the ambulance, yes you are responsible for the rest...
if they have turned it over to a collection agency, it will go on your credit report...|||There%26#039;s obviously more to the story than you are providing.|||Apparently the service was accepted, so I believe you can be billed and responsible. They did get about half from the insurance so why they won%26#039;t work out a payment plan, I do not know. Yes, uncollected debts can go on credit reports.
Do you have a local consumer affairs department? reporter? ombudsman? Someone there might be able to get them to cooperate with you or even write the sum down.
Further proof that even the insured are NOT protected from high medical bills--clearly this was not an 80/20 pay but basically 50/50. I hope this sinks in for folks (you didn%26#039;t do anything, but I read so much misinformation re: health care that it%26#039;s sickening).
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