I cannot obtain a credit card no concern what i do. i own no credit at adjectives. i never know it would be so strong!!?
Question:
hey all,
im 21 yrs out-of-date. i have no established credit.
i hold a couple collections on my report from the cable company but thats it.
for the longest time i been trying to bring back a CC card. From banks and online i cannot obtain one. i only can capture a Secured Card and i get Approved for a card from First Premier Bank where on earth your actual limit is one and only like 50$ after 200 some dollars contained by fees. i dont know where to turn. ive be turned down at department stores and best buys and such. im so confused. i got approved for a auto loan for 3,000$ but i hold to put 800$ of my own money down and just dont imagine its worth it. what are my choices? the secured card only? i infer thats it. i heard of bank offering Credit Building CD's is this true? it sucks for me. i turned 18 and got no offer in the e-mail my girlfriend just turned 18 and she already get two.
what should i do?
thanks for the abet!
Answer:
First, if the collections on your credit report are not closed - clear them off first. Anything still showing as an instigate collection KILLS YOUR CREDIT.
Second, yes you are going to have to any get the secured card - or buy the vehicle. Personally I would buy the car.
Third, call in your bank, ask them to minister to you improve your credit, usually they can confer a few pointers that help alot.
If you don't hold a bank - acquire one. Because that alone could be why you can't get credit. Open a nest egg and put money in respectively week (even if it is only $5 a week). And unseal a checking - but NEVER bounce checks - so watch it closely. You will also stipulation to let these accounts stay unscrew awhile before they start to oblige your credit. Once again - ask your bank, usually the considerable branch of your bank will enjoy credit advisors who will help you.
General rules of thumb for credit:
1. anything you owe - settle.
2. if collections are being disputed - phone up the 3 credit groups and put notes on your commentary about it so anyone looking at your credit know you are disputing something.
3. Do not bounce checks.
4. When you get a credit card - just charge as much as you can pay sour totally. Credit card companies will raise your restrict faster if you are paying it off every month. They can't gross money unless you pay interest so they will do alot to try and kind you carry a go together. The higher your ends the better is looks on your credit - because available but unused credit makes your credit gain go up.
5. Open accounts and examine the age of them help your credit.
(I enjoy a credit card from 1991 - it was my first credit card and it make my credit look better because I still have it.)
The elder the accounts you have (credit cards, guard accounts, etc.) the more stable you look and the lower you look in credit risk.
This will pinch awhile - and when you get rolling don't do several 'credit check' things adjectives at once - that hurts your credit. It makes you look close to you are trying to overextend yourself $-wise, and having too lots credit cards also hurts - 2 or 3 is a good number as long as your debt on them isn't increasing.
Good luck.
You will solitary be able to capture high-interest rate credit cards at first. You do not have an established credit history so ANYONE who issues you a card it is going to be 20%+
DO NOT LET THIS SCARE YOU! If you money the whole stability when the bill is due (instead of just the minimum payment) you will not earnings ANY interest - that is how the system works - if you do not believe me - ask your dune.
Open a checking account beside the bank you hold the savings story with. Keep totalling to your savings. And make conversation to your bank almost doing things to improve your credit - if you hold been a customer for them for awhile they will be delighted to assist you - especially when you are increasing your business with them.
I don't know if you would be capable of get the charges rear with the secured card - beckon and ask them.
In general, anyone you speak to about getting a card/account etc, should be beaming to answer any and all question you have on the subject of their product - if they are not willing to do that, you do not want to do business near them.
Credit card companies will generally dispense credit cards to almost anyone so if no one is liable to offer you one even at a elevated rate there must be a REALLY suitable reason!
Maybe you should look at other ways to advance your finances before you gain a credit card and get into even more debt!
read the card conditions n regulations first b4 u apply 4 it.i deliberate they turned u down cos of ur qualifications which r deem essential.ok?
Do yourself a favor and don't get one. Try establishing your credit another means of access. The auto loan would be worth it if you need a saloon. What is the interest rate? $800 down really isn't that bad. You're probably getting other for that amount. Is it a private finance company or a mound? ASK ALOT OF QUESTIONS! Check with www.kbb.com for a blue book convenience of the vehicle to make sure you're getting other.
Good luck :)
Try the below company
Are the accounts in collections from the cable company rewarded? If they are unpaid you should work on paying them off. Any Unpaid fruitless debt will kill your credit rating.
A secured card is probably your best choice right immediately. You might want to try Orchard Bank they have a clothed secured card and I don't think in attendance are as many fees as the one you mentioned, but read adjectives of the disclosures to be sure. Any card you get will enjoy a high interest rate, but after a year or so of a ideal payment history you could probably qualify for other non-secured cards near lower rates.
Also, stop applying everywhere to try and get credit. Each request will hurt you after the first couple surrounded by a short period of time and of late from what you mentioned it sounds like you probably are within double digits for requests.
credit card is nothing but trouble anyways... if you enjoy bank narrative, i'm sure they will offer ya credit card.
capably... even if you get the credit card, interest rate's gonna be really elevated.
try capital one, and discover card.
try to apply for an Orchard Bank card they are honourably easy to take approved as far as First Premier those are one time fees for people next to bad credit/no credit once you income the fees the limit will be $300 i know it sucks but that's the price we enjoy to pay when we hold bad credit or no credit but i must articulate First Premier does report to the credit bureau in a timely posture
OK I have several tips for you:
1) Hold a chore for at least 12months. The longer you remain beside your employer the better it looks on your credit report.
2) Live at your residence for at least 12months.
3) Use your First Premier card. Use it habitually and pay it sour every time you get compensated. Every couple weeks if you can.
4) Pay off your collections and correspondence copies of your proof of payment to the three credit agencies.
5) AVOID department store cards. They typically hold high interests rates.
6) Do adjectives this and then apply for a card contained by 6months. If declined try another; but surrounded by the same spell, and no more than three attempts in a year. AVOID making too abundant inquiries on your report.
7) Attempt building credit with HSBC (Household bank) or Capital One.
If you still find yourself unworthy of credit, afterwards have a sponsor pull a RELS or MERGE credit report. Something unknown to you, or some fraudulent movement could be holding you back. Perhaps you enjoy a common autograph and discrepancies are being reported incorrectly.
Maybe you can try below website to win the information. It's about credit card articles for your second view
How do i create credit if i purely turned 18? 6 months ago.?
Question:
i've applied for the macy's card, capital one and best buy's and i received no for an answer. Where do i dance from now?
Answer:
You should be going out of your approach to establish credit. And applying for credit cards all over the place is not going to backing you establish sound financial principles.
I suggest for a moment self-education on the credit scoring system : http://financialbasics.blogspot.com/2006...
Hope that helps
attain a smaller department card, like target or notch or something, just construct sure you pay it wager on on time or you will acquire bad credit instead.
u could apply for a credit card at a store within a mall surrounded by your area use it and foot it off to catch your credit started
Get or move a cellphone plan into your name
I have the same problem. I be like, "OK, so how am I supposed to hold credit if no one will make available me any?". What I did was uncap up a checking account that have overdraft protection (I did it at Wells Fargo--they have a student details program). Anyways, so if you use more money than you have contained by your checking account, it is "protected" by going onto a credit card.
It's nice to enjoy because you'll never bounce a check. The only punshiment you'll achieve for overdrafting is a little allowance from the bank. But hey, that's better than have a bad rep at stores for human being a bad check-writer!
Anyways, you'll carry a credit card in the communication along with your debit card which you can ACTUALLY USE to build credit! WOO HOO!
So, moral of the story is: move about open a checking report that has overdraft protection.
PS-A cell phone surrounded by your name won't do anything for credit. I tried it--didn't work.
If you are within college you can get a card here:
https://www.wellsfargo.com/credit_cards/...
but for, try http://www.orchardbank.com
Ok...of late get a communication from my credit card co stating the "new" APR rate is 32% !!?
Question:
AND if you have a problem near the rate, you can keep it equal, but your card will be cancelled !! Man, they have us by the *****, don't they !. I can't put an end to...we need it for emergency !!
Answer:
They usually don't raise the rate up that dignified unless you either rewarded late or go over your credit limit.
But, your remedy is to cancel the card and go and get a different one; or, call them and see if you can negotiate vertebrae to your old rate.
Is nearby a chance you can get hold of another card? Via your bank or credit league at a lower interest rate? And yes, this topic was on the communication last week.
Call them up and shout into the phone! Seriously my husband did that and they cut our percentage rate in almost partly! Threaten to cancel...howl be belligerent...I'm not joking it really worked for us
Have you be late near a payment? How is your credit rating? The other answer below said to telephone and threaten to cancel. That in fact does work. If it doesn't, open another credit card right away (you can do a set off transfer). Then after that CC is good to stir, call backbone this one and cancel. Your credit rack up is "dinged" when you cancel, so brand sure you get yourself another card first.
Some credit cards enjoy a 'universal' type thing where on earth if you're late for ANY payments, sports car, rent, mortgage, another credit card, they can raise your interest rates. I know, that's screwed up. Even if you're slow with THAT credit card once or twice, they can increase your interest rate to 32%.
But, unlike someone else who stated that you should phone and yell, that's undeveloped. You should call and speak to an Account Manager. They switch the interest rate stuff. I recently call for two of my credit cards, and had both interest rates lowered. I made my husband name, and they lowered his as well. It's not roughly speaking yelling that lowers your interest rates, it's going on for knowing what you want, and putting your words in a bearing where your request is not transferable. If you have a Visa, relay them you're going to cancel the card and be in motion to a Mastercard. That worked for me.
If you carry a 0 stability and the card is TRULY an emergency card---- well next it shouldn't matter.
However if you be to use it for an emergency, and say the return was $35, why aren't you putting that money into reserves now? surrounded by a year you would have $400 "for emergencies". Eventually you'd hae a dosh reserve for emergencies and you can rescind the card.
Debt should not be used for emergencies if at adjectives avoidable-- becuase usually an emergency snowballs and putting yourself in debt solitary makes it worse.
Why are they raise your rate? Do they have a accurate reason (ie: unpunctually payment, missed pay, etc.)?
Even if they have an excuse-- 32% is ridiculous! You may want to apply for a different credit card-- especially if you give them a reason to angle your rate. Hopefully, a late pay-out (or other negative action) hasn't shown up on your credit report and you can receive a better offer in the past then.
If not, I'm sure you can take a lower APR than 32%. Even credit cards designed for poor credit have lower APR's. You can start here if you entail a new proposition:
http://www.asapcreditcard.com
GOOD LUCK!
Where can I find bleak credit unsecure loans not payday loans?
Question:
Answer:
bad credit loans
http://wesayes.andycaine.hop.clickbank.n...
Good luck...the individual thing that I would try would be a credit card. If you carry pre-approvals in the communication, you may want to try something like that.
Try the below website
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Bad credit is one of the worst problems to have... however near exists a solution.
I will hereby talk from my personal experience.
I did debt consolidation a couple of years ago, however If I have to do it again I would pay to some minor details,
if someone requirements to get out of debt today it is pretty comfortable with a debt consolidation plan, however it may get hold of a bit tricky at times, I suggest you get as much information as possible online on this first,
a moral place to start in my humble view is astraight to the point ebook with query and answer I found :
http://umgarticles.atspace.com/debt-cons...
if it helps open-handedly remember me in your voting!.. cheers!
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heres your email YOU HAVE BAD CREDIT
what's the best means of access to nouns a vehicle near not so great credit?
Question:
my husband and I have one running vehicle now...his 13 year antiquated suburban just give up the ghost end night and we NEED to buy a second coupé pretty soon. our credit isn't too great but it's not terrible any. we own our own home and have never be late on payments and a moment ago refinanced 3 months ago. should we look for something new? we don't enjoy any $ to put down on a cardoes anyone know how difficult it is to get into a unknown or used car lacking anything down and with not so surefire credit?
Answer:
I dont know where you are, but JD ByRider (commercial dealer)deals near bad credit and they also speak if you can drag it or pull it surrounded by they will give you trade contained by. Also some car places will also afford you an advance on your tariff refund you are getting rear, so you can take within your W2's and they will figure it out and you can use the excise refund for a down gift, even though you have not file yet. I contemplate even H&R Block will do this type of deal as in good health.
Guess whatits tax time!
your best shot is to hold a choice of lenders who deal near bad credit so you can acquire the best opportunity
http://www.wesayes.com
thats the same pickle i be in a few months ago... what worked for me be getting a co-signer with deeply perfect credit hopefully adjectives works out for you guys.
Have you tried searching on the network. There are a lot of lenders public relations here and you may find one that suits your circumstances. You might be looking at a consolidation loan.
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Is it possible to go and get a vehicle loan next to a FICO mark of 500, but $10,000 to put down?
Question:
We have child #3 on the road in nearly 6 weeks, and need to take a bigger car. Wanting something reliable and practical...something that will closing a while. We are thinking 2004 or 2005 Honda Oddysey or Toyota Sienna. Just got a big chunk of $$ from my dated job, and want to use $10k down as it would be in the region of 50% of the total cost. We will be using the remainder to pay down/off other debts, but we do not own time to wait unitl the payoffs are reflect in the credit chalk up. Do I have hope of getting a clothed van at this point? Any ideas/'suggestions?
Answer:
You should have no problem when you're putting down that much money. . only just make sure its the best use of your funds and that you're setting your family connections up to become debt free and start saving money you may find it would be better to achieve a 10,000 van (you can find plenty of low mileage options for that) and start positive money every month instead of paying $300 a month for a payment.
$300 a month add up to $3600 in a year!! Think of a typical 5 year auto possession, and you could have $18,000 within the bank and be driving a paid-off vehicle.
You may capture approved but not at a very flawless interest rate. I would suggest waiting a while longer if you are wanting a new motor for your score to boost. Check out our website and see if we can help.
you will return with approved w/ that amount down as long as you show income verification. Our gain was more or less that when we got approved for a 17,000 honda odyssey. We solitary put about 7,000 down. I would not update them right off the bat that you enjoy 10,000 Tell him you have money to put down, and ask him what you will stipulation. Maybe you can get approved beside only 5,000 down. Good luck!
yes ive done it if you hold pid off the other debt takecopies of your reciepts to the dune or have the compaines fax you a copy of the fee info
With that much money down you should not have a problem. Visit http://www.getbadcreditcarloan.info... , they hold free advice around getting car loans next to a bad credit history.
The 500 FICO Score will be tough. However, if you own 6 weeks do you really need the vehicle right away? What if you paid past its sell-by date your other bills right now. Within 30 days they should adjectives be updated with the credit agencies. If they do your chalk up should go up, but it is unkown how much.
When you be in motion into the dealer, never make clear to them how much you have for a down clearance. They take this as an unequivocal invitation to try to get you into a complex priced car. Let them know what you want to spend and when they run your credit see what type of down stipend you will need. If they ask what type of downpayment you are looking for in recent times let them know as low as possible. Reguardless of the down money amount your interest will be high. However, if they bring back you a lower down payment merely use the difference to pay a bulk amount when you procure the loan.
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Our within law debt?
Question:
If my mother and farther inlaws dye and they have oustanding debts Are we responcible for their debt??
Answer:
If you are the executors of their estate their bill collectors will try to catch money off of you. Normally within that event you wouldn't want to sell the house right away because it can capture nasty, but the credit card companies try firm, even though you are not directly responsible.
Auto loans anything close to that you would assume or it would just bring taken away. Any loan company will try to come after the executors. A good point to have on a home for elder family member is the insurance where it pays the home past its sell-by date if somebody were to outdo as a signer. My mother had that which be well worth it. House salaried for! She barely compensated half of the mortgage. You may want to try to sit down beside your in law and discuss where they stand, web worth, and wishes are. Even though it's unfortunate you should other have a plan.
Not if you did not sign anything.
You intuitively are not responsible for their debts.
But, if you act as the executor of their estate, afterwards you must pay the bills from the estates assets. This is mostly done before honoring any bequests, but that may be subject to doesn`t matter what your state law allows.
If the debts are significant and the assets small, the situation may be moot.
I would spend a few $ and talk to an estate attorney to attain an idea of what the estate obligation are and how you can best preserve any assets.
Sorry for your loss
If I turn bad the credit card do I still win charged interest?
Question:
The card still has a match, but I want to turn it off due to our irresponsibility beside it.
Answer:
as long as you carry a set off on the account, until that amount is compensated in full you will be charged interest. if you compensated off the bill every month, for example, here wouldn't be any interest but when there's a balance gone over after paying your bill, interest will accrue for the next month's bill.
Yes. You will verbs to be charged your interest rate on your outstanding balance, even if you invalidate the ability to take home new charges on your report.
You get charged interest until you remuneration off the vindication. The best thing to do is newly cut up the card but keep the narrative open - as long as you don't use it. Its better to own the open sketch on your credit. The you want to be aggressive in paying bad the account.
Yes.
You can 'freeze' the story so that no additional charges will be agreed. As long as you have a harmonize, you will be charged interest. Once you freeze the account, the card issuer can't relocate the existing terms on the card. That finances you interest rate can't go up as long as you cause your minimum payments on time.
Imagine,orchard or unmarked millennium?
Question:
i have a completely low credit score of 550 and i applied to tribute to see if i can catch a credit card but i'm afraid that i won't get approve for anything because of my credit hold anyone on here been surrounded by situation and got a card? your answers can facilitate.
Answer:
Orchard seems to approve anyone that have a pulse. Be careful of the annual payment though, I think it's close to $59 or $79. Also be careful how various times that you apply, becuase each time that you apply, that knock 2-3 points off your chalk up. You might want to try to get a secured card through Bank of America or Wells Fargo. You'll own to deposit money into a savings description to get one and the same amount you deposit in credit, but that's the easiest path to get a credit card if your credit is not that great.
Hi!
I would answer:None of the above.
usbank.com
bankofamerica.com
wellsfargo.com
With well fargo..you must already be a customer. I am working on that..I plan to have two secured cards contained by the next two months:
well fargo and bank of america
Please..did you not look at adjectives the fees imagine charges?
Highway robbery.
Orchard and New millennium are not as discouraging..fee..prudent..as say..First premier is..but try and obtain a better deal first beside the three I mentioned first.
I've never heard of Imagine or New Millenium, but Orchard Bank seem to be very "poor credit friendly".
You might want to try for a secured card where on earth you put money into an account and next you have a credit strip to that same amount. This is not a pre-paid debit card, it is an actual credit card with your deposit held as warranty.
Just be careful on some smaller number than reputable companies. They will not only hold an annual fee but they will include other fees such as Program or Participation fees. These can attach up to a couple hundred dollars a year. That is why it is very esteemed to read all of the disclosures and vocabulary of the card.
With your history you are probably not going to get a Non annual allowance card, so expect to pay between 40 and 80 dollars, next to a fairly hight intrest rate probably surrounded by the range of 20%+. However, after a year of fitting payment history you can most likey dump that card for one near no annual fee and a lower interest rate.
No information be sent to us bad a credit card write sour debt?
Question:
We found out that the company wrote off our credit card debt of 3,000 .We found out when we bought a untried car.Arnet they suppose to transmit us this?Or send a memorandum or something??
Answer:
I am going to assume they tried collecting the debt from you and when they didnt collect at some point they (wrote off) the debt. Didnt they try contacting you to get you to income them? If you read all the papers they convey with that credit card you will find what you agreed to within advance.
What did you expect happened to it? It rewarded itself? Even if you don't recieve statements, you borrowed money and if they don't get their clearing in a year or so they consider it a charge stale, then they provide the accounts to other banks who try to grasp the money off you, once that happen it's written off and adjectives the mean while it stays on your credit report for around 7-10 years. Tough break. If you settle up your new loans in good time and don't access more than your able to you should do better repairing your credit. You can also try to settle beside the bank to tuning the information if you can give them recompense back to the time when you end paid short interest things like that. It could be worse!
Is any approach how I can erase collections from credit history?
Question:
In 2004 I had apartment rent agreement on 12 month. But after 6 month I moved to another city.. and in a minute I have collection on my credit history - http://img440.imageshack.us/img440/4185/... . Is any course how I can fix it? Sincerely, Eugene.
Answer:
First you pay bad the account and loaf a month or two. Then you dispute the account next to the credit agencies. You have to hold a reason - so look obligingly, but if the collection agency does not respond to their request for verification in 30 days, then the regulation says it have to come off. Agencies tend not to careso much just about accounts that have be paid - especially after your wallet is sent off to storage and is out of their computer system.
Honestly, unless you hold it in writing that the innkeeper let you out of the lease. Nothing you can do.
Bad credit stays on 7 yrs, righteous for 10yr. You can put a statement onto the credit report explaining why you did not complete the contract, for instance, if you got a tentative job and have to move and the landlord would not negotiate. But if you a short time ago moved, they will not allow that. I would ride it out and live to learn.
pay envelope it then it will appear as compensated collection
How could my wife's maiden signature appear on a biz box that hasnt be used contained by 20 years?
Question:
She is an owner of a biz.She has used her maiden identify for one thing- an account put into her identify 15 yrs ago- Hasn't been changed but otherwise DOES NOT USE that dub. She ordered an item last week! It be delivered to our outdated address-initially-the one from 6 yrs ago rediverted to our address and finally-- in her maiden baptize.Actually paid next to a credit card in her married name- and that card have always be used with her married heading. What does somebody know that we don't?
Answer:
bwahahaha, the biz package hasn't be used for 20 years!
Do I enjoy to earnings a bill from my doctor that I go to 4 years ago?
Question:
I just received the bill of $400.00. I don't know the details. I know I didn't hold any blood test as the bill claims. I one and only went to thieve care of my acne.
Do I hold to pay this bill? If I don't earnings it, will it becomes a lien against me.
I want free from this. What are my rights?
Answer:
Do you know if it's on your credit report however? If it is and it's not a legit bill then you can dispute it and they enjoy 30 days to prove to you that it's legit or it will get taken sour of your credit report. If it isn't on your report then you have need of to call the number on the bill and try to integer out what it's about. If it turns out that it is from some services you have then you're going to necessitate to set up payment arrangements.
Every place is different, but it wouldn't be held as a lien against you but they could database for a judgement against you. The company that I worked for only file a judgement if it was over $500.
Yes it could. The will turn it into a collection agency and soon it will be a lien against you.
you do if you want it not to show up on your credit report.
and construct sure to get a epistle saying that you payed it sour and it has a not anything balance if you remuneration it.
I wouldn't just settle up it without a few question. Ask them to provide you with a record of what the money is for. A simple visit to the Doctor shouldn't cost that much. See what else they are charging you for and why it took them so long to bill you. If it is a generous bill, then work out a settlement plan rather than only having to find adjectives that money at once.
If you don't pay they can dispatch a collection agency after you. That will lower your credit score.
I estimate so.
I'm not sure about contained by America but here in South Africa any claim for debt "expires" after 3 years and a debtor have the right to refuse to foot the debt. Not many race know this though. To be honest I would be very drowsy of paying this account. I would dispute the authenticity of the details i.e. the blood question paper and would request proof from the doctors office. Since you speak that you did go and sort out your acne, possibly you can make an set aside of 200 dollars in full and final settlement of the picture and see if they accept it.
write them a memorandum requesting information about this bill. Did the doctor pilfer blood from you? If he did you would probly get a bill from the personality who reads the tryout and gives the results. sounds a bit fishy to me you should check into this promptly dont let this bill only just sit and go unchecked. it could ruin your credit rating
appointment the doctor's office and share them to check their records because you did not own a blood test. you do hold to pay for doesn`t matter what you did have done though. I would want to know why they are billing you four years next though.
If a company give me a acceptance maxim "salaried surrounded by full" can they try to collect more money five months next
Question:
Answer:
If they put 'paid in full' on a getting, they have waive any right to collect more. If you put 'paid in full' on a check, it money nothing and you still owe any unpaid harmonize.
I would refuse to retribution and dare them to sue me for non-payment. I would later file a suit for hurtful prosecution.
Do you own to clear sour a file on a Reposesed Vehicle? With a Judgement rendered?
Question:
Answer:
What is the judgment for? Is it for the resourceful loan or is it for fees they incurred during the repossession?
I'm assuming that they have sold your saloon by now but usually when they do that, it's sold at auction and they don't usually obtain what the car is even worth so it is possible that you owe them more money. Plus, they'll want their collection and legal fees. If they get a judgment for that, afterwards yes, you still owe them.
Additional info-- How much additional did you owe them? If you've be "paying it for years", is there any karma of hauling ex-hubby back into court and getting a court command to make him pay packet some of it back?
The merely other thing I can reflect of is to call them and negotiage a payoff on it. Then take-home pay the thing rotten and get rid of it. It sounds approaching they just preserve adding more fees on to it and you're never going to be out from beneath it unless you negotiate some sort of final payoff and get rid of it.
If within is a judgment, you own to pay it sour. If no judgment is enter, you can pay it sour or not, depending on how important your credit is to you. If you do not pay envelope off a taste, you could be subject to garnishment or confiscation of property. You also will not know how to buy anything major (house or car) on credit until it is remunerated. Judgments never leave your credit report. They freshly show whether they are paid or not. Pay it past its sell-by date.
yes please pay it stale as soon as possible.
What they do is auction the car or provide it off and you settle the balance of whats still owed.