Hello all - My question is does anyone know if one has to be cleared of all credit card debt to purchase a secured credit card? I'm $3,700 in with chase bank that has went to collections, but I am paying it off in full in September of this year. I want to start "repairing" my score this summer with a secured credit card, I have the money to put down on the card..but I recently "applied" with a random online company for a 200$ card [i forgot which one] and it was denied..I don't know why it would be denied since I need to put money down..it's not like an actual credit card.

I pulled my credit today, i see items i need to dispute. How do I determine whether to dispute it with the credit bureau or reporting credit agency. Or do i dispute it with both?

This company rosenthal stein and associates tricked me out of $210!they threatened that I wud be taken to court for criminal theft charges if I did not pay, so of course I paid. Ive been waiting for a reciept for payment since the beginning of february. They made up some stupid excuse about finalizing the account first and now i cant reach them! The number is disconnected and now a different debt collector is calling to collect the SAME DEBT, saying that is has not been paid. :( Im so upset, im planning on reporting them and taking legal action, but dont know if its worth the hassle.

For some reason, my username does not exist anymore. However I had asked questions about some lenders I had out. Golden Valley Lending Netcash 123 CashnetUSA I did receive a response from Netcash 123 and CashnetUSA. According to the South Dakota Lender License I do not see them on there, please help! But here are their responses. Netcash123- Please be advised that NetCash 123 does not provide payday loans to residents of, AR, CO, CT, GA, KS, MI, NH, NV, OR, WA, WV; only to residents in those states where permitted by law (Such as yours).

A default judgement was taken against me in 2004 via a credit card debt collector and is valid for 10 yrs. this debt is now well exceeded the statute of limitations(in MI). 1) Can the judgement be renewed if the statue of limitations has expired? Neither the original debt or judgement appear on my credit report.

I just received a call from a collection agency telling me that my loans had been turned over to their law office. (Weltman Weinburg) The guy is telling me that I have until the end of may to come up with 17k to satisfy the debt of 24k or they are going to pursue myself and cosigner on the student loan. I had been making payments on a consistent basis to NES until they just stopped in January. I had deferred my other student loans due to me being unemployed at the time. I was under the assumption that this loan was deferred as well. Apparently not and now they are threatening me.

Hello - I am recieving very threatening phone messages on both my cell phone and a friends phone number from a person named Alex Smith from a company called "Pre Litagation Services. This person is saying he will come to my home tomorrow and if I am not at home he will go to my work to serve me some kind of legal paperwork. He left a return phone number 1-877-630-6425. When called it is answered as " Prelitagation Services". When I tried to get information about the reason for the call the person on the phome demanded my social and date of birth before he would provide any information.

I've been receiving threatening calls from this number every 5 minutes today. 940-440-8111 the man claims his name is Justin Lewis and that there's serious charges against me from a $200 PDL. This Guy has a very thick Indian accent and calls non stop leaving messages with my SSN and other information and claims I'm going to prison. Anyone else get these calls and who are they really from? The caller ID says Aubrey Texas.

Heard back from OneClick Cash. Here is their reply: The loan agreement you entered into with One Click Cash was and is a valid agreement, which is governed by the laws of the Santee Sioux Nation of Nebraska, a federally recognized Indian Tribe. As a federally recognized Indian Tribe, the Santee Sioux Nation of Nebraska is a sovereign, just like the state of Maryland. As such, the loan agreement is a valid agreement under the laws of Santee Sioux Nation of Nebraska and is governed by the laws of the Santee Sioux Nation of Nebraska.

I'm curious if LoansNGo is legal or not. What throws me off is this disclaimer on their website: You should note, however, that we are a Utah registered lender and our loans are governed by Utah law, which may differ from the laws of the state where you reside. If you do not want to enter into a loan subject to Utah law, you should apply for a loan at a lender located in the state where you live. Any legal lender would know that the laws of the "customers" state would prevail.