When paying dated debts to verbs up credit rating. Should one pay envelope the artistic creditor or the collection agency
The bankruptcy is to expire within the next few months. In instruct to clean up my credit, I involve to pay past its sell-by date old non-discharged debts and some incurred since the ruin. Should I pay the money I owe to the productive creditor or to the credit agencies that are contacting me about the debt.Answers:
Who died and put collection agents surrounded by charge??
Unless the collection agency purchased your debt (not as frequent as you think), they were hired by the creditor to collect the debt.
You do not own any legal requisite to even talk to a collection agent. But the creditor also have no obligation to parley to you either. They can simply speak about you to call the agency and accord with them, since they are "pro's" trained within dealing with debt debate. They spend many hours within class learning to speak "No, pay up if not!".
So by all money call the creditor first and see if he will work next to you. It's been my experience while helping society that they will work with you, and even cut you a better treaty then the collection agency.
Keep within mind that Collection Agents do not make money by adjectives deals...they earn their money by collecting debts, and as much of it as possible.
But be warn!
You are trying to fix your credit rating, remember? It does absolutely no fitting to pay sour your debt if the creditor does not remove any negative inforamtion from your credit report. If they say aloud they can't do it, they are lying! It can be done and I've had it done! There is nil in the statute, or the credit reporting agreements that says they can't!
Remember, the imperative is the "Fair and Accurate Credit Reporting Act"....is it fair to retribution a debt and still have it shown on your credit report that you default? Make them remove the negative information!
But you requirement to demand that they do it, and bring back this IN WRITING before you earnings them a dime.
Other Answers:
Won't make a difference. The credit collectors bring their take anyway, no business who is paid.
Once it go to collection, you have to foot them. The account have been sold to them. They gain to keep 50% of the amount they collect.
I would settle up it to the credit agencies that have contacted you, If you try to take-home pay the place owed direct, they may have already sent everything to the credit agency.....Delinquent amount's, unsettled fee's etc.....or try calling the company's, & see what they say............
You own to pay the credit agencies that are calling you. The productive store you bought your stuff from sold the Accounts Receivable to the credit agency, so you now owe money to the credit agency.
This happen alot. The original store hasn't be receiving the $1000 you owe. If they don't gain paid, they will enjoy a loss of $1000. However, the store has the risk to "sell" that debt you owe them to a credit agency. When the store sells it, they provide it for like $400 and the collection agency collects $600 from you directly. This works out for both the store and the agency, because the store very soon only have a loss of $600 instead of $1000, and the agency profits $200 at the end of it adjectives.
you have to earnings what ever you still owe to the credit agency because all your credit info be given to them .
You have to payment the collection agency that now own the debt. I would contact this agency and negotiate the payment down, because they will within 80-90% of the cases. Tell them you came into some money and you want to settle off as tons debts as you can and they are one of the ones you want to pay sour. If they are asking for $500.00, see if they will accept $150.00? They might influence no at first but ask to speak to a manager and notify him that is adjectives that you have to compensate on this particular debt. Do this near all your debts. Don't antagonize them, finally agree on a settlement smaller quantity than what you owe.
After you and the company has agreed on a salary tell them the allowance is contingent upon them marking your credit report as "PAID" explicitly all you want on the credit report.
If requisite draw up a little contract for them to sign motto something like I agree to discharge you the amount of ____ on account #_________This shall constitue full return for this debt. A further agree to make this recompense in the form of a money directive or cashiers check payable to your company. You agree to mark my credit report next to the annotation "Paid". You sign it after which you should send it to them for their signature past you mail the agreed on stipend. When you get the agreement pay for immediately dispatch them the funds you agreed to send them within the amount you agreed to send.
This might gather you a little money as economically as raise your credit gain faster than normal.
I hope this have been of some use to you, devout luck.
"FIGHT ON"
IF THE COLLECTION AGENCY HAS THE ACCOUNT REPORTED TO YOUR CREDIT AND YOU WANT IT LISTED PAID, YOU NEED TO PAY THE COLLECTION AGENCY. THE CREDITOR SIGNS AN "ASSIGNMENT OF ACCOUNT" TO THE AGENCY AND THEREFORE THE COLLECTIONS AGENCY NOW HAS ALL RIGHT TO THE ACCOUNT.
IF YOU PAY THE CREDITOR DIRECT, AND THE COLLECTION AS ADDED FEES OR INTEREST, THEN YOU NEED TO PAY THEM. IF YOUR ORIGINAL BALANCE WAS SAY $500.00 4 YEARS AGO, THEN THERE HAS BEEN 4 YEARS OF INTEREST ADDED TO THAT BALANCE. IF YOU PAY YOU CREDITOR THE $500.00 THEY WILL FORWARD IT TO THE COLLECTION AGENCY AND THEY WILL PAY THE INTEREST FIRST, THEN APPLY THE DIFFERENCE TO YOU PRINCIPLE, THUS LEAVING YOU WITH A BALANCE STILL BEING REPORTED TO YOUR CREDIT.
CALL THE COLLECTION AGENCY, AND SEE IF THEY WILL TAKE A SETTLEMENT OFFER.
ONE THE CREDITOR HAS PLACES THE ACCOUNT IN COLLECTIONS, THEY ARE NOT SUPPOSED TO DEAL WITH THE DEBTOR ANY LONGER AND THEY SHOULD REFER THEM TO THE AGENCY.
STATE AND LOCAL LAW DIFFER, BUT THIS IS STANDARD.
GOOD LUCK
Source(s):
I WORK IN THE CREDIT/CREDIT REPORTING AND COLLECTION INDUSTRY
is their a existing site that you can obtain your credit score minus giving out a credit card #?
Answers:
go to eloan.com they will pass you a free credit score and you dont enjoy to have a credit card #
Other Answers:
i want to know too so im kinda riding on your question coatails.i love how they advertise freecreditreport.com surrounded by my area and its not free.if they charge you a penny its not free.when will inhabitants understand that?
Go to experian.com. There is a association around the top center of the page for annualcreditreport.com. Each year under federal ruling, you are entitled to a free report from each of the bureaus. It doesn't donate you a score, but it does dispense you a full report. If I am not mistaken, you can pay extra if you want to see your chalk up.
Also, if you have a Providian credit card and enjoy online account access, they make available you your credit score every month. Just a win, not the report. It is right there on your explanation page without have to request it. You can see past months also so you can make clear to if there is a conveyance or not.
Source(s):
experience
no. Credit bureaus are required to give one free credit report per year. This report does not come near the score. For pete's sake stop anyone so credit score crazed. If you are paying your bills on the dot, have not increased your lines of credit balance to more than half your available credit margins, don't open accounts on a regular principle, have no gloomy items reporting (such as judgments,collections,etc)and the accounts you hold have be open for more than a year you already hold a decent credit chalk up. If you are not doing the above currently, stop that and do the above (including pay past its sell-by date the negative items) and lurk. Time will improve your credit win. By the way the credit bureaus charge on average $6 to $8 dollars for your score. There are three credit bureaus so at most you are going to pay $24 if you don't request the credit report. If you access www.annualcreditreport.com the reports are free from respectively bureau. Okay end of rant.
NO
yes. you can dance to annualcreditreport.com
they will give you a free credit report once a year from adjectives three major reporting agencies.
fvck credit -- squirrel away up and pay change
www.annualcreditreport.com. They give you the credit reports though. In instruct to get your credit mark, you will have to pay packet regardless.
Credit Score?
I don't have a credit card, do I still enjoy a credit score? And how can I find out if I hold bad credit. I enjoy only have bank cards back, but I am unsure of my credit score.Answers:
You probably hold a credit score if you have bank credit cards or any loans or unpaid utility bills that be reported to the credit reporting agencies. You can't get your chalk up for free, but you can find out if you have credit reports. Get your free ones from adjectives 3 credit reporting agencies here: www.annualcreditreport.com
Other Answers:
You don't have to hold a credit card to have a credit evaluation. You don't have to enjoy any cards. If you have furniture, department store accounts, bright tire accounts etc, that may be on your credit and will help you establish credit. The best instrument to find out about your credit is to budge to www.creditplus.com and get your credit pulled. You should check your credit once a year to avoid identity stealing.
If you don't use a credit card, your credit evaluation would be low, or zero if you don't even hold one.
For instance I'm just a regular joe beside a couple of credit cards. I pay bills and my credit card pay on-time and always within full amount. I've been using credit card for since my freshman year (about 8 years ago). One time I go out with my boss and she's filthy rich (millionaire). She pays everything within cash and never used her credit card. So we go out shopping, and the store clerk asked if she wants to sign up for a credit card. Well I found out her credit strip would be much lower than my credit line. Therefore she'll enjoy a much lower credit score. So... resourcefully... that's all I can utter. Don't worry around your credit score. Just put as much money as you can surrounded by a savings commentary and when you go to draw from your home loan (the only time I would EVER borrow), lenders will see you organize your money well because you don't spend every penny you enjoy.
Do you think Bill Gates is worried give or take a few HIS credit score?
ALWAYS hold money in funds in crust of emergencies. They WILL develop so it's better to be prepared.
Do this and you'll be better off financially than 75% of Americans.
Source(s):
http://www.daveramsey.com
Don't be regular. Normal is $8000 in debt and no hoard.
Debt-free is the way to be.
how can i grasp a loan near doomed to failure credit?
Answers:
You don't say what you entail the loan for. Is it for debt consolidation? Then you're probably out of luck. If it's for a car or house, you'll own better luck, but it depends on why you have unpromising credit.
If you've paid bills deferred and that pulled your score down, you're going to own to show that you have your spending lower than control now previously anyone will lend you money.
If you have collections, it will be even harder, becasue that shows you simply don't pay your bills AT ALL!
Nothing against Nanu569, but I wouldn't confer my personal information to ANYONE I met on the internet.
Other Answers:
you cant...but i hope you will
u won't! you earnings exorbitant interest. or you can put all your possessions up as collateral.
i dont know borrow from a friend lol
There are plenty of lenders out there predisposed to charge very dignified interest rates for customers with poor or no credit. What type of loan are you seeking. If it is anything excluding an auto or home loan, unless you have some serious collateral, you are probably out of luck.you can email me i am a loan office agree to me take a look at what you are trying to do my email is nanu569@yahoo.com i will endow with you my contact info when you email me If you don't want to be stuck with the exorbitant interest for bad-risk creditors, work to fix your credit rating and afterwards apply for the loan.
you've have the funny answers
now here is the 10 point champ
http://andycaine.approval4u.hop.clickbank.net It's strong but take my counsel and NEVER get a payday loan. They are massacre me.
How correct does your credit hold to be within proclaim to be a co-signer for an apartment?
Answers:
usually a apartment only looks at poast rental history unless your completly dreogatory contained by every open justification.
but its a personal thign based on thier discretion you can hold a 720 and they still may not like something on your report. (no industry standard)
Other Answers:
That is up to the discretion of the manager, or property manager.
I've get horrible credit and I've never been refuse.
I think the more momentous question is, how BAD does your credit win have to be to REQUIRE a co-signer for an apartment? If someone's credit gain is SO bad they stipulation a co-signer for an apartment, I WOULD NOT CO-SIGN, unless you want to be stuck paying for the lease.
What is the best credit evaluation someone can own? I hear the average credit gain is 678 for americans...?
Answers:
FICO is 350 to 850 but there is a up to date company called vantagescore that will be traking score. vantage score is owned by equifax, experian and transunion. to backing improve your credit rack up (and they guarantee it) please check out www.entrustsystems.com/wow
Other Answers:
It is my understanding that the best credit mark 870.
Good stuff on this website, check it out.
Some statistics about the chalk up distribution (percentiles):
90% of the US population is below 790
70% of the US population is below 755
50% of the US population is below 710
35% of the US population is below 670
15% of the US population is below 600
Source(s):
http://www.consumerfinanceportal.com/reportfaq.html
FICO scores extent from 350-850. The highest I enjoy personally ever see is an 810.
where on earth can I purchase aged credit reference?
I only hold one credit reference on my credit reports and it is recent so I hold no fico score. I requirement to raise it as soon a possible.Answers:
The best road to raise your FICO gain is to STOP worrying about it. Start putting money within a savings explanation. The amount you have within savings is a much better indicator of how you survive your money than your credit score. If you hold lots of cash within savings ($10,000-15,000 for the average Joe), lenders will see that you don't spend every penny you clear. The ONLY thing I would EVER borrow money for is a house because they appreciat within value.
ALWAYS hold money in hoard for emergencies. They WILL begin, so it's best to be prepared.
Other Answers:
Have yourself added as a coapplicant (not an authorized user) to someone elses existing credit card. preferably someone with dignified fico score (720 or above) If not a soul is available forget about the fico mark and ask the lender if they will take alternative reference. Alt references are on the dot payments for the most recent 12 months to at least 3-4 creditors that don't report to credit bureaus. Think innkeeper, utility bill, car insurance, mobile phone, cell phone. In that order. Don't try giving them the cable bill which is compensated on time and not the utility bill which is not. They be in motion by order of need. The reference should be within the form of canceled checks (particularly for the landlord showing when the check cleared) and monthly creditor statements. If this doesn't work dally until your current credit reference ages.
Corporate vs. Personal Credit card?
I recently official a new assignment position involving a great deal of travel and expenses. I enjoy the option of using an issued corporate credit card or a personal credit card for related expenses. Are in that any benefits to either using the corporate card or my own personal card? I will be sent an expense check every two weeks so at hand will be no monthly carry over. What do you adjectives think?Answers:
Definately use the corporate card. You're putting your personal finances at risk if you use your own. What happen if you charge your travel expenses and the company goes out of business? You're stuck next to the bill.
Don't fall into the trap of using a personal credit card for any description of bonus (cashback, travel miles, etc.). I believe the risk of using a personal card outweighs the potential benefits.
Other Answers:
it's good to cut the credit cards up near scissors
Well usually next to a corporate card, you won't get a bill at adjectives. It goes right to the company.
Whereas if you use your personal card, you will attain a bill and submit your bill for reimbursement. In those cases you pay the bill, and they rate you back.
If it be me? I would go near the co. card. That way they button it all, if they grasp delayed in salary it won't affect my credit, etc. My husband has have both and the corporate card is a whole lot easier. He turns surrounded by expense reports and the co. pays the bill. Have had a few problems, but nought serious.
If you have to settle up the bill either track because co. is giving you a check, get a personal card next to some benefits attached that you'll enjoy - miles, points, cashback. Then engineer sure you remember it is ONLY for business expenses, not personal fun so you don't go uncultivated charging on it.
Has anyone hear of Creditplusrewards.com?
They promised me a cash mortgage, and said that they will give me a $7500.00 spending constraint ot use on their websites, and they would report to the credit agencies. They told me that they would take $129.95 out of my explanation and issue me a cash finance for no lees than $500. They took my money and never fulfilled the loan they promised. I tried to call them masses times, but their voicemail is always full, or the "representatives" are rude and volunteer no help. This is a true scam!! please agree to me know if any one of you has hear of and dealt next to this compny. Thanks!Answers:
Sounds like you involve to report them. I smell a scam. Start with your local better business bureau and move up from in attendance.
How to restore credit fast?
Is it best to pay past its sell-by date balances and exit credit cards open or pay envelope off balance and close the accounts? If unable to wage balance on the due date..is it best to pay envelope a little or is it best to hang about and pay the entire entity when you have it? Etc..any info will give support to, thanks.Answers:
It is best to stop using the cards, cut them up, throw them away, pay packet them off and start putting money contained by savings instead of using credit (spending money you don't have) to buy stuff.
If you can't rate it off by the due date, reimburse at LEAST the minimum (more if you can) BEFORE then, and foot the rest when you get it (don't hang about for the next due date or you'll rack up more interest charges).
While you're waiting for your nest egg to build up, keep the lines widen - if you've cut up the cards and thrown them away, like I said, you won't be capable of use them. Once you have a couple thousand dollars within savings, close the accounts and stop worrying almost your credit score.
If you enjoy money in the edge, lenders will see that you're not spending every penny you make (and more, beside credit cards) and won't care going on for your credit score.
Oh, and don't buy a sports car with credit. And NEVER buy a NEW motor, they depreciate too quickly. Only piece you should buy on credit is a home!
Other Answers:
Maintain two major credit card accounts and money balance bad. Close all store credit cards if you don't requirement them. No late clearance is very importatnt
But no sudden ways to improve credit, it lug time
Challenge everything on your credit repot even if its true or not.
www.equifax.com
www.experian.com
www.transunion.com
It's better to pay of adjectives balances at once if you can. Even if you involve to add for a time more with your credit interest and reward it off on a monthly spring, you have the substitute to also do so. Once you do pay stale your creditj
bill(s) you're best bet is never to use your credit card again even if it gets renewedj after its expiration. The just way you could use a renewed credit card is if spark off the account, but feel credit-wise and credit-free. There is no quick mode. It takes time and a obedient track record to develop an existing credit rating. You get 3 free reports a year, one from respectively credit bureau so you can certainly find out what they voice about you. Not an actual win but the details they think they own and if it is not accurate you can fight similar to a salmon swimming up stream and try to fix it but usually the salmon gets eat by the bear or once the salmon have done his job he dies which is more next likely what will arise before they would adjust any damn thing within your report..
What is an average credit chalk up ?
Answers:
An average credit score is around 640 - 670. The top of the size is 850. Anything over 700 is good. Anything over 750 is exceptional. Anything approaching or over 800 is outstanding.
Other Answers:
average credit ranking is 620-670
Most credit scores estimate the risk a company incurs by lend a person money specifically, the odds that the person will trade name payments on time. idealistically the complex the score, the smaller number risk. any consumer with a win above 620 is good while consumers below 619 should result contained by further inquiry from the lender,
330-499 very poor
500-559 poor
560-619 equal
620-674 average low
675-699 average high
700-719 suitable
720-830 excelent
831-850 perfect
Source(s):
http://cgi.ebay.com/ws/eBayISAPI.dll?ViewItem&rd=1&item=9521974071&ssPageName=STRK:MESE:IT
I live within Cali, I want to record for ruin. I am married. Can I still profile in need my husband?
My husband has desent credit. I made 26,000 ultimate year on my own. I am going back to work leisure in june. I can not repay my debt, I am roughly speaking 25,000 in debt. I needed to know can I file for Chap 7 even if I am married? Also how will this affect my credit as far as buying a house?Answers:
I dream up you can file for Bankruptcy minus your husband. I think it is smart if you know you hold no way of cleaning up your credit.
Don't force your husband to repay YOUR debt. But be sure that you guys don't own any debt together, therefore if you do he will be made to retribution for that and it could destroy his credit.
I would make conversation to a bankruptcy attorney. They usually proposition a free consultation. Remember the laws enjoy changed, so now you own to take a class and the go-between has to contracted if you can file for Chapter 7 or Chapter 13
Other Answers:
Are you stupid?
I dont think you can folder without your husband, because when a married creature goes for collapse, the courts will go after the spouse's assets as ably. Also, you wont have a massively easy time getting a house. apt luck. yes you can! But any loan or credit card your husband is on with you cannot be discharged. The reality that a home purchase is in the adjectives -- you will have to linger at least 2 years next to some re-established credit to qualify for a descent rate. The chapter 7 will report for 10 years. If you look at the bills you may see that he will still be obligated to pay. The file then will not relief you very much if at adjectives. You are a couple and should work together to clear this debt and all debts since taking on a mortgage.
I wish you powerfully!
A better solution to liquidation is for you and you husband to get a second or even a third brief. Pay off the debt and forget in the region of bankruptcy.
Bankruptcy will butcher your credit scoring for 10 years. However, you will still be able to take a mortgage but interest rates will be high..... You can folder without your husband but any united credit will have to be remunerated by him if you don't pay it. Also, underneath the new collapse laws, you may not be capable of file chapter 7 if you hold any disposable income that you can pay to unsecured debtors. A ruin will stay on your credit for 10 years so it will probably have a big impact on house shopping.
No time to lurk!! Fico chalk up is raise to slow?
I have be working on my credit for about a year or so. Item hold been remove for my database, but a couple( paid collection) are still nearby. ( status report is paid contained by full) It started to go up slowing. So I thought by achieve a new credit card it will increase couple of point but it go down by 5 point. All of my three credit card have a low be a foil for. I will like to rise by chalk up about 10 point no latter then the climax of June. Is this possible?? (Please no crazy answer)MY QUETION IS DO I HAVE TIME!
Answers:
Every time someone checks your credit for a credit card, loan, etc., your credit score is artificial. Opening new or multiple untried accounts does not help your credit rack up. It will be difficult for you to get the loan you want contained by June if you have a short time ago opened fresh lines of credit elsewhere. If you have older lines of credit that are at a higher interest rate that the unknown credit cards, cancel them. It won't be as unpromising for your report if you are replacing high interest rate cards near lower ones.
Other Answers:
More open lines of credit will not bump up your score, as you a moment ago found out. Do you have any installment loans unequivocal like a vehicle or mortgage? Your on time payments to the credit card or revolving accounts do not result surrounded by many points. An installment loan however, can join as many as 5 to 7 points respectively month they are paid prompt. Taking out any more credit at this point will only lower the rack up and would take several months to start again to current level.
Don't be so worried almost your credit score. Why do you inevitability to raise your chalk up 10 POINTS by June? Are you buying a house? If so, you should have some hoard in the guard for your down payment, right? The lender isn't a short time ago looking at that one number (your credit score), there are a great deal of factors involved - how much do you craft, do you have a history of slowly payments, do you have lots of AVAILABLE credit on credit cards (that's why your gain went down - very soon you have more available credit), do you hold stockpiles of money in money?
When you apply for a loan, the credit score is lone one factor in the conclusion. If the other factors are surrounded by good shape, you should enjoy no problem getting the mortgage.
Pay-off the credit cards, keep putting money surrounded by savings and you'll be better rotten than 75% of Americans.
Source(s):
http://www.daveramsey.com
Don't be normal. Normal is $8000 contained by debt and no savings.
Debt-free is the style to be.
check this out fast if you don't own time
http://andycaine.creditr.hop.clickbank.net
3-5 cards next to activity below 50% of available symmetry.
contact the creditors have them renovation it to "paid, closed, never late." creditor is feeling like to do it by the end of june you may get hold of the score raise by then probably closer to 60 days earlier it posts though. you can try
Source(s):
http://www.geocities.com/maverick_mathaeus/CREDIT_REPAIR.html
Who can I report my credit card company to?
We have told our credit card company numerous time to close our depiction since we have the stability paid bad and every time they say they will. but afterwards we get a statement contained by the mail and they hold "no record" of us calling to request our account closed. What do I do?Answers:
All credit card companies are associated beside a bank. If you don't know the signature of the bank that issues your card, it should be printed on the pay for of the card itself. Write a letter to your credit card company and dispatch a copy to the regulator of your bank. The regulator will require that your bank/credit card company respond to adjectives of your complaints and will require that the bank convey a copy of the response to them as well. If any you or the regulator is dissatisfied with the response, your credit card company/bank will want to take further accomplishment.
If your bank is a national hill, write to the Office of the Comptroller of the currency.
If your bank is really a thrift (savings and loan) write to the Office of Thrift Supervision.
If your ridge is a state member wall, write to your local Federal Reserve Bank.
If your bank is a state non-member guard, write to the Federal Deposit Insurance Corporation.
And if your bank is a credit association, write to the National Credit Union Association.
Don't worry something like picking the wrong regulator. If you send your reminder to the wrong one, they'll let you know who you should write to.
You should know, too, that it is banned for your financial institution to take any manner of retaliatory action against you for "exercising your rights beneath the Consumer Protection Act".
Other Answers:
Put your request in writing, and request taking of delivery from the post bureau. If they do honor your request report the company to The Better Business Bureau or to the Attorney Genera ls office
notify them in writing, and dispatch the letter certified e-mail return receipt. that track you have proof you asked.
if they still dont close it, contact the BBB.
You should really mail or fax them the written request. With a fax you return with a confirmation with the date and time faxed as proof. Or you can dispatch a certified letter so you also enjoy confimation of receipt and proof of the missive being sent. You must submit it surrounded by writing first, they have 30 days to comply. If they don't and you incurr any more charges, you call for to contact a lawyer.
Source(s):
i am a debt collector
The best answer to your question is as follows:
Call the Office of the President of the hill or issuing company. All of these companies have individuals that will assist you within solving your complaint.
If you have difficulty surrounded by getting the name and mobile phone numbers just do your research on their home page. Someplace on the homepage they will discuss the officer of the corporation. Go to their pages and find the cross and phone number of the corporate headquarters.
Every time I have a problem near a credit card company this is what I do and I always get hold of satisfaction! Contact the Attorney common in your state.
The BBB is perfect for some things not this.
Also contact the Federal Trade Commission .
Do all these things in half a shake including sending the creditor a certified return receipt communication explaining you have required the account closed and include any time and date and contact information in the region of prior attempts to close the account.
Source(s):
http://ww.ftc.gov <giggle> Better Business Bureau....<chuckle> Attorney General....<snort> Holy-Moley you guys crack me up!
Remember that the credit card company singular administers the accounts. You want to contact the bank that issued the card. If you don't know or remember who it be, contact the credit card company and ask them.
Write a certified letter to the dune and demand that the information be closed.
Does applying for laying-off affect my credit?
Answers:
No. Not paying your bills does.
Other Answers:
No.
Heck Naw. Never heard that it would.
No!
No
Only if you're applying for a loan while ON employment. As long as you verbs to pay your bills on-time, no problem.
No!!!