Results 16 to 24 of 24
Thread: Credit report question
LinkBack URL
About LinkBacks-
10-05-2009, 03:37 PM #16Registered User
- Join Date
- Oct 2007
- Location
- Monterey, CA
- Age
- 30
- Posts
- 2,336
- Post Thanks / WTG / Hug
- Rep Power
- 25
Ok, so I'm confused on something.
The mark on my credit report is clearly in the negative section. It's also clearly a collection agency. But it says "Paid/closed." it doesn't say how late it was.
So is there a minimum amount of time that has to pass before they put it into collections? If I have the cancelled check saying that I paid it before it went into collections, that should be enough, right?
I just want to get my stuff straight before I go into this and they say something like "Oh, it doesn't say that you were late, it just says we sent it to collections and we can do that on the day we bill if we want to. "
I called this lady at dominion and left a message. hopefully she'll get back to me.~Congress shall make no law respecting an establishment of religion, or prohibiting the free exercise thereof; or abridging the freedom of speech, or of the press; or the right of the people peaceably to assemble, and to petition the Government for a redress of grievances.~
~The powers not delegated to the United States by the Constitution, nor prohibited by it to the States, are reserved to the States respectively, or to the people.~
-
10-05-2009, 03:50 PM #17Rude and Vile Master
- Join Date
- May 2008
- Location
- Baltimore, Maryland
- Age
- 43
- Posts
- 8,243
- Post Thanks / WTG / Hug
- Rep Power
- 71
Oh - well - paid/closed may just mean the account was closed. Lenders may see that as "negative" simply because you have less available credit.
Although in this case, that's weird.If you could kick in the pants the person responsible for your problems, you wouldn't be able to sit for a month.
Did you know that a 4 year student paying $20,000/year who finances their education graduates with over $103,000 in debt to start? But a student who works and pays cash and takes 6 years to graduate ends with $6,300 in their pocket! So much for "getting a head start by financing!"
Greebo(Nerd Spender): Loving and extremely patiently tolerated husband of ceashels.
WARNING: Y Chromosome behind the keyboard. Adjust your listening filters appropriately!
ThreeTwo mortgages,twooneno car loans,oneno credit cards, and a partridge in pear tree!
-
10-07-2009, 01:26 AM #18Registered User
- Join Date
- Oct 2007
- Location
- Monterey, CA
- Age
- 30
- Posts
- 2,336
- Post Thanks / WTG / Hug
- Rep Power
- 25
I think this may be getting fixed. I called corporate and left a message and she got back to me the next day... She still had our records of payment so she told me she'd call the collection agency and get back to me tomorrow. I don't think I talked to this girl last time. She had a strong accent so I think I would have remembered her. *fingers crossed*
~Congress shall make no law respecting an establishment of religion, or prohibiting the free exercise thereof; or abridging the freedom of speech, or of the press; or the right of the people peaceably to assemble, and to petition the Government for a redress of grievances.~
~The powers not delegated to the United States by the Constitution, nor prohibited by it to the States, are reserved to the States respectively, or to the people.~
-
10-07-2009, 08:50 PM #19Registered User
- Join Date
- Oct 2007
- Location
- Monterey, CA
- Age
- 30
- Posts
- 2,336
- Post Thanks / WTG / Hug
- Rep Power
- 25
Got an email from Dominion today that said the collection agency has been told to remove the negative mark off my report. Here's hopin'!
~Congress shall make no law respecting an establishment of religion, or prohibiting the free exercise thereof; or abridging the freedom of speech, or of the press; or the right of the people peaceably to assemble, and to petition the Government for a redress of grievances.~
~The powers not delegated to the United States by the Constitution, nor prohibited by it to the States, are reserved to the States respectively, or to the people.~
-
10-08-2009, 08:35 AM #20Rude and Vile Master
- Join Date
- May 2008
- Location
- Baltimore, Maryland
- Age
- 43
- Posts
- 8,243
- Post Thanks / WTG / Hug
- Rep Power
- 71
Hooray! Good luck!
If you could kick in the pants the person responsible for your problems, you wouldn't be able to sit for a month.
Did you know that a 4 year student paying $20,000/year who finances their education graduates with over $103,000 in debt to start? But a student who works and pays cash and takes 6 years to graduate ends with $6,300 in their pocket! So much for "getting a head start by financing!"
Greebo(Nerd Spender): Loving and extremely patiently tolerated husband of ceashels.
WARNING: Y Chromosome behind the keyboard. Adjust your listening filters appropriately!
ThreeTwo mortgages,twooneno car loans,oneno credit cards, and a partridge in pear tree!
-
10-09-2009, 04:19 PM #21Registered User
- Join Date
- May 2009
- Location
- Florida
- Age
- 58
- Posts
- 5,309
- Post Thanks / WTG / Hug
- Rep Power
- 33
Good luck...my fingers crossed also.
Bank of America is THE godfather of Hell with Wells Fargo running neck and neck. When the world ends the only things that will be left are cockroaches, Walmart, Wells Fargo and Bank of America. Not necessarily in that order. The order remains to be seen.
Challenges
Coupon Challenge May
$00.00
Year / $
May/ Grocery
$/Goal $400 Total
Eat Out No More May
Goal 20
Accomp/17
No Spend Challenge
Goal 10/
Accomp/14
-
10-09-2009, 05:28 PM #22Registered User
- Join Date
- Nov 2007
- Location
- Poulsbo, WA
- Posts
- 2,131
- Post Thanks / WTG / Hug
- Rep Power
- 13
Good Luck!! I just saw this. DH went through something similiar ~ with an apartment complex as well.
We never did get it off of his credit. It was an $80 charge that he never actually even owed. He got billed by mistake. Straightened it out with the original biller, but couldn't get the collection agency to budge.
He got it off of one of the credit reporting bureau, but the other two didn't remove it.~Jessica
"Sometimes single" wife to commercial airline pilot Jason (aka "angrypuppy")
and homeschooling mama to Ben & Carter
~~~~~~~~~~~~~~~~~
DEBT:
BECU: $2671.16 PAID
AmEx: $8500.00 PAID
Truck: $10,000.00 PAID
BoA: $12,000.00 PAID
Van: $20,000.00 PAID
HELOC: $47,000.00
-
10-24-2009, 09:29 PM #23Registered User
- Join Date
- Apr 2006
- Location
- Canada
- Posts
- 7,249
- Post Thanks / WTG / Hug
- Rep Power
- 41
Hey Nishu - got an update?
(I just read this thread now and was curious of your outcome)2012: The Year Of The Purge!
UPDATED: MAY 15/12
2012 FLING - 673/2012 | COUPON SAVINGS $178.93
EMERGENCY FUND #2 - $510.78 | VACATION FUND - $513.58 | CHANGE JAR $222.51
-
10-24-2009, 10:01 PM #24Registered User
- Join Date
- Oct 2007
- Location
- Monterey, CA
- Age
- 30
- Posts
- 2,336
- Post Thanks / WTG / Hug
- Rep Power
- 25
None yet. I wanted to give some time to shake thing out because we've used up our free credit report for the year and I don't think the reporting agencies will notify us of the change. I'll probably call the collection agency before the end of the month. I'll let you guys know how it goes.
~Congress shall make no law respecting an establishment of religion, or prohibiting the free exercise thereof; or abridging the freedom of speech, or of the press; or the right of the people peaceably to assemble, and to petition the Government for a redress of grievances.~
~The powers not delegated to the United States by the Constitution, nor prohibited by it to the States, are reserved to the States respectively, or to the people.~
Reply With QuoteSimilar Threads
-
getting a credit report?
By Autumn1102 in forum Debt Reduction & Money ManagementReplies: 4Last Post: 03-05-2008, 01:50 PM -
Help - R9 on credit report
By dwnloom in forum Debt Reduction & Money ManagementReplies: 6Last Post: 02-27-2008, 02:05 PM -
Know what's on your credit report
By nuisance26 in forum Debt Reduction & Money ManagementReplies: 4Last Post: 11-13-2006, 09:31 PM -
credit report
By slowtypinwoman in forum Debt Reduction & Money ManagementReplies: 1Last Post: 01-27-2005, 06:52 PM
Bookmarks