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All, FICO recently for the first time revealed how "damage points" are calculated in credit scores. See info below.

I have three pdls from Cash Transfer Centers, Integrity Advance, and Cash Point USA. I live in KY. Can anyone give me some advie on what to do to get rid of them?

I am getting automated calls to my cell phone from two different companies. I know one of them is from an emergency room visit my husband had a few months ago. I already have a DV letter heading to them. I have no idea what the other one is for. I have tried waiting for them to get on the phone, but after having to go through multiple menus, it then gives me a phone # to call and a "case" number. No company name. I have no need to call these people, but I am getting sick of the automated calls. They have called me up to 3x a day.

Reported them to BBB and this is what they responded " We received a template of a form letter circulating the internet and it is misleading and has inaccurate information unless has a specific complaint regarding handling of their account we do not believe a response is warranted." I used the template (C&D) on this website, and I do not understand what can be misleading and inaccurate. So does this mean, that I have to paid the principal amount plus interest even if this company is not licensed in Texas? What should I do next in order for me to paid the principal amount only?

i paid off my paid day loan but they keep debiting my checking account. I have cancelled the credit card they were using but they collected an extra $270 and have caused me overdraft fees. When I called them they were very nasty and told me I would never get the money back. My bank manager told me to come in and fill out fraud paperwork. Is this the best option?

Does anyone have any experience dealing with this credit card company. Thanks

I have gotten myself deeper and deeper into PDLs.

Has anyone delt with Ezpaydaycash or UC finanical? I got my loan from the web site ezpaydaycash.com but theythe take out the payment as UC Financial. I wonder if they are legal in Ohio. Does anyone have any contact info on the? I have the email and number for customer service but can't find an address. I have a loan with them of $350. I have paud them $490 and have another payment of $125 coming out on Friday. I wonder if its to late to revoke the ACH for them not to take out the payment? Has anyone got a refund from them for overpayment or worked with at all?

I have multiple loans out and really doing well with taking care of some, but there are a couple internet ones that are really messing with me: 1000cashovernight.com -- also know as International Payment Services Paycheck Today I know my laws for Tennessee, but I dont know how to find if these users are licesned anyhere in the US? IPS called me multiple times today threatening to garnish my wages. I sent one of the letters that I found on here, stating I do not authorize them to do so, etc. They are very nasty when they call.

We have $34,080 in credit card debt. We are some how managing to be current (even though we have been a few days late on some which has driven one APR up) but it is causing us to be late on other bills. When you do debt consolidation, what typically happens to the APR's and balances? Do they usually lower the APR and if so, is there a general rule to what they % lower it to? They aren't able to lower the balances are they?