will a lean against my property affect my credit?
Question:Answers:
Can they do that without a court judgement?
Many credit bureaus regularly check public annals for judgements, and if it shows up it will effect your credit.
Take Credit Guru's advice, check your reports and dance from there. A judgement report will not come rotten your credit history.
Other Answers:
yes
Depends on the type of lien. A loan lien only allows the creditor to step after your assets in the event you non-attendance on the loan. In this case, with the sole purpose the loan payment history affects your credit, and not the certainty that the loan is secured. A tax lien (state or federal), otherwise, is a big-time negative and can recurrently kill an application even if you compensate the rest of your credit well.
Source(s):
I'm a credit analyst.
It depends if the lien is placed on your credit report. Typically HOA liens are just record with the county so that when you deal in your house they get remunerated.
I would go to www.annualcreditreport.com and return with your three credit reports to see if it is there or not. It's free to check your credit files once a year.
If possible negotiate near your association to get it salaried and released.
How do you report creditor violation, such as call at work, to neighbors, on Sunday and after 9PM?
Question:Answers:
Studly gave moral advice however, I would similar to to add that you do NOT want to distribute a FULL cease and desist if the debt is inside SOL (statute of limitations). If it is still within SOL dispatch them a limited abstain from and desist. Limited means unfolding them to only contact you surrounded by writing. If you send a full end and desist letter while it is inwardly SOL your opening yourself up to a possible ruling suit as you will have vanished them no other means to communicate near you. check your state statute before sending your communication. Good Luck!
Other Answers:
File a complaint with the Better Business Bureau and conceivably the FCC (because ceatain crimes over the communication lines are handled by the FCC).
Ignore the previous answer.
You first entail to get armed! You are roughly speaking to go to time of war! Knowledgeof the law is your lone weapon, so read the links below.
You need to first dispatch the collector a letter demanding that he "abstain from and desist". That should stop the harrassment. Also demand that he "validate" the debt. That funds he must send you copies of adjectives contracts, bills, receipts, and anything that was used to total the debt. He needs to prove you enjoy a legal necessity to pay this debt.
It's adjectives in the links, read up.
This comes from the FTC website.....
What can you do if you believe a debt collector violated the imperative?
You have the right to sue a collector surrounded by a state or federal court within one year from the date the tenet was violated. If you win, you may rest money for the damages you suffered plus an additional amount up to $1,000. Court costs and attorney' s fees also can be recovered. A group of family also may sue a debt collector and recover money for damages up to $500,000, or one percent of the collector' s network worth, whichever is less.
Where can you report a debt collector for an alleged infringement?
Report any problems you have near a debt collector to your state Attorney General' s office and the Federal Trade Commission. Many states enjoy their own debt collection laws, and your Attorney General' s bureau can help you determine your rights.
Also read the knit below. It describes some folks attempts to sue in small claims court. I'm looking into this at the moment.
It's be my experience that contacting the FTC and Attorney Generals officeis a waste of time. If you want something done you gotta do it yourself. If you sue them and win, you recuperate your attorney fees. You may be able to receive a lawyer to pilfer this case on the proof he won't get remunerated until you win. If you have a devout case they will be excited to take it, it's jammy money for them.
UPDATED ANSWER
Just to comment on Emjay's comment below.....
She is correct. Any time you send a creditor a cease/desist memorandum, or a demand to demonstrate, you are basically relating them to "put up or shut up".
It's a gamble. However, surrounded by my experiences helping people I find that if the bill is small (less later $500) they will almost always basically write it off and try to mess up your credit history.
More than that, it depends on who is sueing you, and what state. Few creditors are going to spend the money hiring a attorney and doing the legwork if it's going to cost them a lot. Sure, they can restore your health some expenses from you, but not all.
That's they push button too,....can they collect? Do you have income? Any money contained by the bank? Car/home contained by your name? If you own no money they are gonna have a frozen time collecting. That means they a moment ago wasted a few hundred dollars for nought.
Source(s):
http://www.creditinfocenter.com/eBooks/PoorMansClassActionLawsuit.shtml
http://www.creditinfocenter.com/forms/index.shtml
http://www.ftc.gov/bcp/conline/pubs/credit/bbcr.htm
http://www.ftc.gov/bcp/conline/pubs/credit/repair.htm
Determine if this is a widespread entry or if it is just one guy, resembling a landlord, and you, his lone tenant that is paying deferred.
If it is a company doing it to many other general public do what the last guy said and sue them, find some others and do it together if you can.
If, however, it is purely you then explain the directive to them and ask them if they are knowingly violate it. They may not know and that will clear up the problem, or they may stop cause they know you know. No necessitate to be threatening just be polite ans ask other (or don't bother cause it won't work). (I know I am individual optimistic here but closely of people don't know the ruling and would change their ways if they know they were breaking it)
You can contact your states attorney common. If you are receiving call before 8am or after 9 pm simply describe the collector that they are in defiance of the fair debts and collection practices conduct yourself.
Source(s):
this is my profession
Your dealing with a intact different area of the directive.
If it is a collection agncey (3rd party) the are required to follow the FDCPA (Fair Debt Collection Practices Act)
Original creditors are not required to and can do pretty darn well what they please close to call you at 9:00 and work and on sundays...anytime they reflect on they can get a hold of you.
In cubicle 802 of the FDCPA you'll see it was designed to protect consumers and ethical collectors. And we must follow this directive.
People are under the assuptions that a call a halt a desist letter will stop a collection agency and to be exact false. It's called a abstain from comm. letter first sour, adn all it ability is that we can't call you or write YOU...EXCEPT to push for you of specific actions the the agency is taking. It doesn't stop credit reporting, or attempts to locate you and gain info. We can name your family so long as we do not reveal the existence of the debt, unless specifically asked. And we can phone up them only once unless we believed they lied or are near holding info.
We can call your work so long as you dont' share us not to or we belive that is is the best time to make you. We cannot however call you after 9 pm Except! If you convey us that that is the best time to arrive at you. Then we can. You have one year from the date of the offense to turn after the agency. After that your sol. The FTC will do nothing they simply interperate the the FDCPA, not enforce it the courts do. So you obligation to get a legal representative and file a complaint & lift them to court.
Source(s):
- Work for a collection agency
Does have three credit cards affect your credit mark?
Question:I have three but in attendance is one that I use the most. I pay adjectives of my cards in full, NEVER the minimum payoff.Answers:
Credit pros believe that to attain the highest score you should have no more than 3-5 revolving accounts. i.e., Department Stores, Gas Cards and Major Credit Cards(Visa/Mastercard/Discover...
The 3-5 cards should be reporting balance of 50% or less (ideally 20% or less) every month.
Having impossible to tell apart account initiate for a very long time near little or no balance is a intensely positive thing. Unless you are paying an outrageous annual allowance I would never close a credit card account even if it is compensated off.
Other Answers:
yes
It will not affect your credit score, and with your stipend records, I guess you get a lot of credit cards offer. Way to go girl! Better you regard about the debet..............
Keep doing what you are doing.
Sure. Having one credit card will affect your win. If you pay it prompt and don't max it out, you'll maintain or increase your gain. The bureau, however, also takes into consideration how much POTENTIAL debt you own, so having three sympathetic credit cards even with no stability will affect your score (don't seize too concerned, though, as maintaining not anything balances hardly affects your score). Just make sure you don't procure your favorite card's balance too close to its shorten and you'll be fine.what is a credit ranking and what are the benefits of have a honest credit rack up?
Question:Answers:
Studly just mistyped
Its myfico.com run by Fair Isaac Co. the ethnic group who invented credit scoring software.
If you haven't seen your credit report, you can find a free copy once a year from www.annualcreditreport.com
Having a excellent credit score (750 or better) give you access to the lowest rates on car loans, mortgages and other loan products.
Other Answers:
Let's utter have 5 credit cards respectively worth $2,000 each. That vehicle your credit card value total is $10,000. So if you owe $1,000 to a credit card later you are 10% in debt. The smaller quantity you are in debt the better your credit mark is. If I had adjectives of those credit cards I would keep them. If you draw from rid of 4 credit cards then your effectiveness is worth $2,000. That means you are within 50% debt, and that means your credit ranking goes route down!! That's a bad entry
Source(s):
T.V.
Check out the link below. It give a good explanation more or less credit scoring.
Source(s):
www.myfica.com
Anyone know who will approve me?
Question:I have a Hecht's card I save in polite standing. I have have it a year but no one will still approve me for a credit card. The singular offers I carry are for secured and that stinks. I have applied at means one, chase, bb and t, and even my work bank of america. Anyone know of anything?Answers:
First stop applying straight away! Every time you apply your credit score go down. When you are applying so many times and their are no spanking new accounts being established it can be thoroughly negative.
Check out your credit reports at www.annualcreditreport.com. It's free once a year and you can review reports for exactitude and make sure in attendance are no negative items you are not aware of.
If the simply account you hold on your credit files is a Dept. store card then you will not feasible be approved for a Visa/Mastercard.
After you review your credit reports and you believe they are accurate you can check your FICO credit scores(the one lenders use) at www.myfico.com/12. It will cost you $45.00 but it will give you adjectives three scores and the top 4 reason why your credit score isn't better.
Just a guideline, but if your scores aren't over 700 probability are you won't be approved for a Visa/Mastercard.
You could call Amex. Their unsophisticated green CHARGE card used to require only a 640 mark. But that is a CHARGE card which you will hold to pay rotten every month.
Discover tends to enjoy more lenient credit guidelines but I don't know their minimum required win.
If your income is good and your credit ranking is above 550 you will most likely be approved for a motor loan or a mortgage(but at a higher rate)Maybe not what you are looking for but after 12 in good time payments your scores will be sophisticated.
Other Answers:
Have you tried a department store to get some type of revolving credit? It help to diversify your credit portfolio. That's all I can feel of though. Sorry. Good luck.
If Capital One turned you down, your credit must really be the pits. I thought they approved everyone.
You may have to bite the bullet and find a secured card. Keep it small, just a few hundred dollars. I know it's a twinge, but you have to start somewhere.
I approve, that avatar looks great.
Source(s):
Very Cute
At what point does derogatory information come sour your credit report. And when do you count the time?
Question:Answers:
Bankruptcies stay on your credit record for 10 years. All others stay on for 7 years from the date of later activity.
Other Answers:
derogatory information IF it's complete and accurate can remain for 7 years from the LAST DATE OF ACTIVITY. If it's a charge past its sell-by date you can calculate from the time of charge off and budge back 180 days.
I am already a associate near Care One Credit Counseling...how do I contact them? Cannot gain onto website?
Question:Answers:
Call 1-8OO-498-0965 or go online at http://www.careonecredit.com
Other Answers:
Call the 1-800 number on the rear of the card
YOu can go to the better business bareau and check it out BBB.com i suppose it is
Call them. Look at their nmbers in the papers and documents that they give you. Also try the Yellow Pages and 411.
call the opporator and ask for the # or you could do a yahoo query for the website.
Source(s):
my brilliant brain
how old-fashioned do you hold to be to be eligible for a credit card?
Question:Answers:
The age of 18 is when a person can lawfully sign a contract like a credit card application.
Other Answers:
I conjecture it's 18 but I'm not sure.
18 but go ahead and apply for one.
You must be 18 to bring back your own credit card.
However, if you can get someone close to your parents to co-sign, you can get one at any age.
Yep, you enjoy to be 18 in charge to apply for your own credit card. However, there is no age restriction, I believe, if an justification holder wants to breed someone solely an authorized user of his/her account (i.e. the personage is given permission to use the card but bear no responsibility for the account itself.)
Looking for a process to seize a copy of my ruin discharge papers from Nov.1998 file surrounded by kane county Il.?
Question:Answers:
You can get them on-line by registering for a pacer article.
Go to either www.ilsb.uscourts.gov or www.ilnb.uscourts.gov , depending on whether you are within the southern or northern part of the state. There should be a connect on the page for PACER. Sign up for an account, and once you capture your password, you can search for your moniker or your social security number.
You should know how to see most of your case on the site.
It's something resembling 10 cents a page to look at things. They don't bill you until you get up to $10 surrounded by charges. Looking up only your satchel should not amount to much.
Other Answers:
Go to the court house and ask for those papers, usually a fee is involved. Good Luck.
can a wall verify a mark on an portrayal if I provide the information number? how do I progress in the order of doing this?
Question:Answers:
As of January 1, 2004, PIPEDA (Personal Information Protection and Electronic Document Act) has be in force. PIPEDA have been contained by force since the start of 2001 in respect of federally-regulated industries or organization such as banks, that disclose personal information outside a province for consideration. All provinces own legislation regarding the release of such information including the information you are attempting to make a purchase of. I would suggest that you get within touch with your article manager at your hill and explain your situation. If they feel that the your pretext for obtaining the information is legal they may contact the bank on which the cheque is drawn and may be capable of obtain the information provided that the character that wrote the cheque wants that information released. I would suggest that you not adopt cheques and get lolly or only adopt cheques that have commercially prepared next to name address etc.
Other Answers:
They won't merely give you information close to that, you could be using it for fraud. Why would you need that anyway?
I work at a ridge. The account number provides the heading, social, address, all the info and they will want to verify.
Banks enjoy privacy policies, so even if you were the FBI (and you are not) they are not going to make clear to you a name. Simply as that! I consider it is called Client Privacy Policy, that mechanism they are not going to give anyone any information more or less a client.
what are the long occupancy effects of beign responsible beside a credit card?
Question:Answers:
good credit will be capable of get home,coup¨¦,etc.
Other Answers:
They keep upping your credit hinder until you can buy a small house. Also, you can buy homes, cars, etc. with zilch more than a signature.
How can I erease a collection from my credit report that I do not owe?
Question:A collection agency sent me to collection for services that I did not received. I was a client for a internet company that rents dvds 4 years ago, in that was a monthly subscription that I salaried I returned the dvd's and my credit card expired and I did not updated my info because I did not wanted their service anymore, in that was no contract. finishing year I received a letter from a collection agency I call the internet company and they said the could not provideme with information, after send a communiqu¨¦ to the collection agency refusing the collection within a certified mail. concluding month they put me in collection for that.What are my option? I did not received any services from that company and I have read that if you settle up a collection it acually hurts your credit,
Or what if I sent that letter that I sent to the agency to the credit bureau and they influence that I owe it, do I have to money more??
please help!!
Answers:
By directive, the collection agency must "validate" your debt. That means that, upon written request, they hold 30 days to supply you with copies of contracts, bills, receipts, and anything that be used to calculate the amount that you owe. If they go wrong to supply this, they must remove your information from the credit bureau, and must stop bothering you.
You are about to dance to war! Do NOT face-off these guys unarmed! Knowledge of the law is your singular weapon, go read the links below and GET ARMED!
You get an easy slam dunk crust here.
From this point on, keep a log of every telephone call you make/receive regarding your debt, and copies of adjectives letters. You will entail this if you wish to prosecute.
Use the indication letter I supplied below on how to write a request to authenticate letter. Send it by certified correspondence to the collection agent.
After 30 days, if they do not respond, send parcels to the credit reporting agencies, along with a copy of your validation message, and demand that they remove any gloomy report that is contained by your file.
If the collection agency does respond spinal column, and the information is not given or incomplete, send them another memo and demand it again, but this time threaten endorsed action if they place anything on your history.
Just maintain the credit bureau's informed of the problem, and if they don't remove the history hire a lawyer and sue beneath the
Fair Debt Reporting Act.
I'm going to bet that you don't owe a lot on this, right? Less consequently $200? They won't even bother to sue you. They will send it pay for to the original creditor. It's not worth the time of the Collection Agent to sue you for that small an amount. The simply weapon they have is your credit history, and if you follow my instructions will stop that.
Get armed! Read the links below!
Other Answers:
Contact the credit bureaus and they will relieve you with the appropriate forms and assistance to come to blows the claim.
You should also contact the collection agency again, ask them what routes to take to find out the information that you want.
It will be a long frustrating process- but it does work.
Source(s):
I had a bill on my credit and it turned out that they have typed in an 8 insted of a 4 on one of the sketch numbers. That Studly has given out some awesome answers to those on this board. I will now refer to him as "The Slayer" because no Collection Agency have a chance against him.
Follow his proposal and you will be happy beside the results.
Good Luck
I,m register to foot my mervyns narrative online,but Iforgot the site I heve to move about contained by command to recompense?
Question:need to know which site do I hold to go if I'M ALREADY REGISTER TO PAY MY MERVYNS ACCOUNTAnswers:
Call customer service, they can dispense you the website address.
Other Answers:
www.mervyns.com has connection to manage your reason
where on earth surrounded by Erie Pa can I shift buy a step visa prepaid credit card?
Question:Answers:
why do you want one of those, the fees are too high.
Get yourself a checking/savings report with a Visa debit card attached.
If you enjoy been turned down by a dune then you probably own a negative transcription in your Chex Systems folder.
Check out www.consumerdebit.com they will explain it to you and allow you to get a copy of your Chex System files.
You can also G00GLE "Chex System" and you will capture a list of bank that don't participate contained by Chex Systems in your nouns.
A credit union can also be a great place to turn.
Good Luck
Other Answers:
call your local check cashing places. they usually own them
Where within Erie Pa can I stir to purchase a prepaid visa card?
Question:the phone company won't take my hill debit card with the mastercard logo on it to settle up for my dslAnswers:
Any Walgreens in the US will pass the GreenDot Prepaid Visa card. It costs $9.95 plus whatever brass you want to load it beside.