Ok I will start with the basics. I am in ohio I have 7 different loans. Below I will list them by physical and online The first 3 are physical stores I go to Money Mart- Loan amount 423.00 on my 2nd loan same amount. Paid 467.76 reborrowed. Check smart- Loan amounts 400, 600, 600 paid back 450, 687.50 First American Loans bunches of them right now owe 587. The 3 physical stores I can get out of paying off...

I have 5-6 credit cards. I use these cards for purchasing clothes and accessories mostly. Sometimes, I make large purchases in a month. I just can't restrict myself whenever I see good accessories. I know this is my fault. I'm trying to restrict myself nowadays. To cut things short, I have not been able to pay the full bills every month. The balance gets carried over every month. I make only the minimum monthly payments every month. How will this affect my credit score? My current credit score is 560. I want to increase it for buying a condo in Hoover, Alabama.

I want to know if the credit card companies report the overall financial transactions to credit bureaus or just the monthly balance. My credit utilization ratio is below 10 percent. I make extra payment prior to the statement closing date every month. Is this strategy good? There's yet another thing I want to know. How long will the utilization ratio affect my score?

There was a time when I had taken out 4 credit cards from the same bank. All the 4 cards were sent to a collection agency in Homewood, Alabama. The collection accounts have been removed from the credit report. I am planning to take out another credit card from the same bank. Will the bank have records about my past payment history?

A debt collection agency from Headland has sent me 100 text messages regarding a debt. Is this a violation of FTC law?

I have a loan with payday nation. My last payment to this company was on 9/13/13 that resulted on an overpayment of $210 on the principal only of the loan. (initial loan $600). As advised this is an illegal lender (out of the united kingdom) I revoked ach and requested refund of $210. I logged into my account this morning and see that my account was marked as denied for the payment due today but also the payment on 9/13/13 was marked as denied in the payment history.

I have a PDL with Mobiloans for $1,000. I've paid $875. I sent the letter from this forum advising I would pay the remaining $125 on October 4th and revoked all ACH and wage assignments I may have signed. I've sent that email twice and they have not responded to me, however I logged in to their website today and it is saying I have a balance due of $815 and to call them with my next payment of $143 by my due date of October 9. So apparently they've logged the ACH revocation but not that I am only paying the principal.

I tried to post last night to say hi but for some reason it did not post. :-( Just wanted to pop in and say hello to any of the "old timers" that may still be on here. LOL I know that I am not on here as much as I use to be but my life has been such a roller coaster these past 5 years that it isn't even funny. Been out of work for almost 5 years now and has not been fun at all and the bad part is, the longer I am out of work, the harder it is to find a job. Plus not to mention that being 50, although not old, also makes me "less desirable".

I live in pa have been dealing with these companies.With much of the same results as the rest of the people whom have dealt with them.Pa dept of banking has filed a recent enforcement action against westernsky cash call.My question is why can't i find an attourney in pa willing to handle suing them?

I keep getting harassing calls at work from clear loan solutions. I need help with resolving this payday loan. I took at a loan with MB Processing in June for 500.00. Repayment of 650 with interest. They have drafted 3 payments out of my account for 150.00 (refinance), nothing applied to principal. I received an email that MB changed their name to Clear loan Solutions. I decided that I am not giving them another dime. I have revoked ACH authorization.