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Calm, cool, and collected.

I would assume that a company has a legal obligation to notify a consumer of outstanding charges on his or her account in a timely manner – namely, before sending that account to collections. Is this so? Can you direct me to the specific Federal or local (Massachusetts) statutes that establish this obligation? [more inside]
posted by donmateo on Apr 24, 2013 - 6 answers

 

Movin' on up - How can I quickly raise my credit score?

I am currently unemployed, but am receiving unemployment and some temp jobs here and there and have a very good balance of budgeting vs. spending. I have a checking and saving account, 2 credit cards, plus 2 retail credit cards that I pay off the balance of each month. 1. What can I do to quickly increase my 654, 666, 670 scores to the 700's? 2. Does being unemployed affect my credit score? 3. Will acquiring a car loan now affect my credit score?
posted by i_wear_boots on Mar 13, 2013 - 2 answers

Should I pay my credit cards off completely, or keep a small balance?

Due to a family thing, I have received a one-time windfall, and I would like to pay off my credit cards, improve my credit, and buy a new car (getting a loan for most of it). I just want to know if it's good to keep a small balance or pay them off completely. [more inside]
posted by marble on Feb 21, 2013 - 20 answers

Are My Credit Score and I Screwed after a Debt Cancellation?

Was negotiating with the lender (credit card) and was prepared and arranged to pay the full amount this spring. Today I received a 1099-C IRS form notifying me that the debt has been cancelled. [more inside]
posted by snsranch on Feb 1, 2013 - 2 answers

Two out of Three Ain't Bad?

About a year and a half ago, my wife and I put a security freeze on our credit reports. We have PINs for two of the bureaus... [more inside]
posted by malaprohibita on Dec 10, 2012 - 2 answers

How can I fix my credit report if I don't know what's wrong?

I was turned down for a new credit card. The issuer said I can clean up my credit report and re-apply, but I don't know exactly what the problem is. [more inside]
posted by Boxenmacher on Oct 22, 2012 - 8 answers

Removing incorrect data from a credit report

How to get incorrect credit cards off my credit report? I've tried just about everything. (Involves companion cards on a family member's credit card.) [more inside]
posted by anonymous on Oct 10, 2012 - 6 answers

Safest place to order my credit report from all three bureaus (not free)?

Best and cheapest place to get credit scores from all three credit bureaus without getting on some crazy subscription that makes it difficult to cancel? It's been less than a year since I got my free report, but I need to get an updated one now. [more inside]
posted by [insert clever name here] on May 15, 2012 - 16 answers

How to prevent possible identity theft?

I might have foolishly entered sensitive info in a place I shouldn't. What can I do to minimize possible damage? [more inside]
posted by 7life on Mar 2, 2012 - 6 answers

At what point do you start worrying about your children's credit reports?

The other day my 13 year old received an application for a Discover Card in the mail. At the time, I dismissed it as junk mail. Trans Union mentions that receiving applications may be a sign of a problem, and even has a site related to the issue here. While diving into a fraud investigation request for one application seems overkill, how common is this, and at what point does one start monitoring all this? [more inside]
posted by anonymous on Feb 8, 2012 - 10 answers

What does "declined" mean? Is it bad?

Application declined? Did I just inadvertently hurt my credit score? [more inside]
posted by anonymous on Nov 1, 2011 - 9 answers

Can I get this account back on my credit report?

I accidentally removed an item from my credit report, and I want it back. Is this possible? [more inside]
posted by anonymous on Sep 19, 2011 - 3 answers

How are credit reporting agencies such superb snoops?

How do credit reporting agencies know so much about me? I applied for a credit history (not report) with Equifax, and along with the actual credit history, they know (almost) all of my recent employers and all of my mailing addresses. I must have signed away my privacy rights to them at some point, so how do I make sure they don't get their grubby hands on all of this very PRIVATE data in the future? I live in Canada which I believe makes a difference as far as privacy rights go (we supposedly have some privacy rights...)
posted by Yowser on Aug 9, 2011 - 14 answers

Does cosigning for a loan affect my ability to obtain a mortgage?

I have been asked to cosign for a rather substantial loan by a family member. I am willing to help out but need to know how cosigning might affect my ability to get a mortgage in the near future. Would the amount of the cosigned loan subtract from the amount of my potential mortgage eligibility? Would it even show up on a credit check?
posted by txmon on Aug 6, 2011 - 27 answers

How can I prove I'm paying down bad debt?

Credit Report Confusion: I recently pulled my free credit reports (I do it every year about this time), and there were no surprises. However, I have a couple questions about how closed and collection accounts are usually reported. (Long-ish question). [more inside]
posted by anonymous on Mar 28, 2011 - 3 answers

Wanted: Means to Make Restitution

Help me pay off debts I incurred in the US 10 years ago. I've been living abroad ever since. [more inside]
posted by anonymous on Oct 17, 2010 - 11 answers

Quebec Debt and Credit Reporting Laws?

I need references for laws in Quebec regarding debt collection and credit reporting. [more inside]
posted by splice on Sep 14, 2010 - 2 answers

Credit Nebulous

Credit Report shows a negative collection on a checking account I had closed 5 years ago. I called the collection agency and they agreed to dismiss the account. Is this cleared up? Am I missing something? More details inside. [more inside]
posted by anonymous on May 12, 2010 - 4 answers

Big Sis is watching you.

What should I be doing to protect myself from my crazy sister? [more inside]
posted by stubborn on Apr 18, 2010 - 4 answers

Collection ended up on credit report--help please!

Through no fault of my own (in brief: I was unconscious, but may have been unwarrantedly credulous later), a collection agency's action has become visible on my credit reports. How can I remove these? [more inside]
posted by anonymous on Dec 15, 2009 - 7 answers

Best way to pay debt collectors?

Now that I am able, I would like to pay the debts I have accrued over the past few years. When confronted with debt collectors, what is the best way to deal with them so that this positively impacts my credit report? [more inside]
posted by Loto on Oct 15, 2009 - 12 answers

Can I get someone else's credit report?

How do I legally get a copy of my ancestors credit report? [more inside]
posted by a22lamia on Sep 14, 2009 - 10 answers

Is it possible to improve my own credit report?

Credit report question. Is it possible to add positive information to my report? My lender tried but was told a 3rd party can't do it. Does that mean that I can't? And is there anything I can do to raise my score quickly? [more inside]
posted by grablife365 on Sep 9, 2009 - 14 answers

Can I fix my credit history? Should I?

Botched online credit card applications: can I have them removed from my credit history since they were due to an unresponsive website, and does it really matter anyway? [more inside]
posted by ocha-no-mizu on Aug 13, 2009 - 5 answers

I swear I'm not really a deadbeat

Should I disclose this stuff on my rental application? How far back do they check these things, anyway? [more inside]
posted by anonymous on Jun 30, 2009 - 7 answers

Legit landlord or identity thief?

What personal info does my future landlord need from me to make sure I'm legit? How do I make sure he's legit? [more inside]
posted by Asymptote on Jan 15, 2009 - 8 answers

Fannie Mae designation on credit report?

Why does my credit report list our mortgage as a Fannie Mae account? [more inside]
posted by Sweetie Darling on Jan 10, 2009 - 4 answers

Can I make an effective dispute of my credit report?

A creditor and I disagree on the amount I owe. Not paying what they say I owe will negatively affect my credit. Do I have any options? [more inside]
posted by b_thinky on Dec 9, 2008 - 6 answers

How do I dispute my credit report from overseas via online?

URGENT: How do I dispute my credit report? Difficulty: no (current) American address or phone number, and not currently in the USA. [more inside]
posted by chrisinseoul on Dec 7, 2008 - 6 answers

Should I fix a credit report typo?

Should I fix a minor typo on my credit report? [more inside]
posted by Jemstar on Oct 17, 2008 - 3 answers

Help me fix my credit score.

Should I dispute the adverse item on my credit report or just pay it off? Also, will a balance transfer help or hurt me? [more inside]
posted by desjardins on Aug 25, 2008 - 13 answers

where do i get a credit report?

where do i get a credit report? wikipedia says annualcreditreport.com is the way to go, is this correct? do i have other options? [more inside]
posted by anonymous on Aug 22, 2008 - 14 answers

My credit report, it makes no sense to me.

Help me understand my credit, please? [more inside]
posted by TomMelee on Jan 26, 2008 - 12 answers

Starting Off Negative

Someone opened a credit account in my name a few years back; it is now overdue. What do I do? [more inside]
posted by Phyltre on Jan 10, 2008 - 12 answers

Wicked Stepmother Trashing my Good Name

The financial problems of someone who shared my name and former address are showing up on my credit report! How do I even begin to go about disputing this, should the credit agency's investigation not go in my favor? [more inside]
posted by almostmanda on Dec 2, 2007 - 7 answers

How to Grow Good Credit in 2008

Help me design the Best Possible Plan For My Credit in 2008. Ten years ago I had no cash, and terrible credit. Today I have some cash, and no credit. I want to make some good choices next year, based on a well-considered strategy. [more inside]
posted by cockwaffle on Nov 26, 2007 - 5 answers

Paying money I don't necessarily have, to people I don't really owe, for reasons I don't fully understand.

Succumbing to Extortion Filter: How should I pay back a debt I don't really owe, to a collection agency that's been hounding me for years, to make sure it doesn't appear on my record? More inside. [more inside]
posted by prophetsearcher on Oct 1, 2007 - 9 answers

What does a credit approval today say about my formerly-bad credit?

What does it indicate about my formerly-bad credit that I could be accepted today for a regular contract by a cell phone company? How can I tell when it's the right time to apply for a credit card again? [more inside]
posted by anonymous on Jul 26, 2007 - 14 answers

Background check shows false info?

New employer has done a background check - returns addresses I've never lived at? [more inside]
posted by anthropomorphic on Jul 12, 2007 - 10 answers

How can I cancel credit cards when I don't know the account number?

How can my girlfriend cancel credit cards when she doesn't know the account numbers? [more inside]
posted by david1230 on May 20, 2007 - 13 answers

My tax returns are being sucked up by unpaid Stafford Loans that have long disappeared from my credit report. If I offer to pay the whole thing off, what can I expect?

Repaying Stafford college loans that disappeared from my credit report (due to age), but still collect all tax refunds - what kind of hit might I expect on my credit, reactivating the account by a full-payoff? More importantly, what kind of deal can I propose to avoid all the interest? Anyone have experience with this? [more inside]
posted by ValveAnnex on May 17, 2007 - 4 answers

I am not my own grandpa, Experian!

My father, grandfather, and I all have the first and last names, with only different middle names to distinguish us, no suffixes. How do I go about untangling our credit reports? [more inside]
posted by aristan on May 10, 2007 - 12 answers

I'll pay, I swear. Just don't hurt my FICO!

Is there any way to stop a $50 collection action from dinging my credit rating? [more inside]
posted by Turd Ferguson on Apr 3, 2007 - 15 answers

Help save our credit!

Help us save our credit! We're not sure why, but our mortgage company started returning our automatic bank payments a few months ago. [more inside]
posted by anonymous on Feb 3, 2007 - 6 answers

Why is my credit score so high?

Why is my credit score so high? [more inside]
posted by pinksoftsoap on Sep 12, 2006 - 12 answers

No credit history. How to get an appartment in SF.

I just moved to San Francisco from Guadalajara, and have no credit history or bank account. How can I get a place to rent? A cell phone? [more inside]
posted by Dataphage on Dec 28, 2005 - 7 answers

Can a collection agency re-open a nine year-old unpaid debt?

Can a collection agency reopen a nine year-old unpaid debt? [more inside]
posted by letitrain on Oct 12, 2005 - 13 answers

How do I get my credit report corrected?

Since my wallet was stolen, I've been trying to get a particular inaccuracy on my credit report corrected with no luck. I have written to the company that owns my report using their own online dispute form and via snail mail. It's been 6 months and I don't know what else to do to get them to respond. [more inside]
posted by melissa may on Apr 22, 2005 - 10 answers

Will my potential employer check me out?

Background checks: I have a job interview coming up, and wonder if they'll do a credit check. If they do, I'm in trouble. I need this job very badly...thus the bad credit. Besides credit, employers may check education and criminal backgrounds (mine are clean), but do they have to let you know? How do you ask a potential employer about this without raising flags? While we're on it, is there a secret shit-list out there that employers may go to to see if you're a loser? Especially in software/web development in the northwest...
posted by anonymous on Jan 10, 2005 - 42 answers

repairing a credit report

I'm in college in the U.S., and have a few state student loans. They were under a forebearance that I once requested, which ended four months ago. I didn't realize this, and ignored the mail that was sent about it because I thought it was the usual mail they send me about how I have a loan and ads for consolidation. I just recently got this fixed and the forebearance backdated so it will have another year from when it ended. But I now have two 60-day late marks on my otherwise good credit report. Anything I can do to get rid of them?
posted by anonymous on Jan 8, 2005 - 5 answers

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