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I posted a question last night, but for some reason it has disappeared this morning, so I am trying again. 1) Does a charge-off show as a public record on your credit report? 2) Does settling before or after charge-off make a difference? 2) How long would a debt settlement that is not listed as a 'public record' be on your credit report? Are they all listed the same (R9)? Thank you!!

I like what ya did with the site!!! It looks very professional!! I'm a bit confused on something, though. Can someone please explain how the 'Banking and Loan' thing works, please? Thanks.

If the Credit Card Company can not give me information on on a five year old debt, and they don't report it to the credit agencies, because the facts are unavailable, then should the debt buyer be allowed to report old debt to the credit agencies? How can debt buyer prove true facts on an old debt of the original creditor doesn't even have that information?

Hi bea2ls, This is the screen shot of your Debtcc Point Redemption Reward. Have a nice time :) Jason

Hello all..I thought I would share my story see if I can get advice as to if I am on the right track or not. A year or so ago I moved to a new city and was having some difficulty making ends meet so I decided I would take out a loan from Check Into Cash...I mean, it was one little loan for $300 and the total payment would only be $345...What could it possibly hurt? Well, I live in Louisiana where they are apparently not allowed to refinance a loan. I then had to take out another on my payday to make ends meet. After using this service, I found it was not enough and needed more.

Hi everyone! Thanks for all of the good advice that is flowing on here. I'm stuck about what to do right now. I have 2 pdls. One from BIG (now that I've read everything on here, I hope I can stop them from hitting my account again) in the amount of $250 of which I have way overpaid in the amount of $1010. The other is with Cashnetusa in the amount of $500. I have paid them on this loan $383.73. Of course, I still owe them the remaining balance and plan to contact them tomorrow about an epp. I have placed a reversal on the ACH from BIG.

They answer as Barr Group and told me someone was coming to my work to serve me with papers in reference to judgement against me fro Global payday loan. They said they wanted to settle out of court. And before they called, someone from S & O security called me at work and told me they needed to meet with me to serve me with documents for court appearance, but when i agreed to meet him he told me to contact the above 1-888 number if i wanted matter settled out of court. And they were calling from a local number in my area. Can they really do that?

Hi! I am probably a little late to be asking some of these questions since I have already gone through the settlement process with a couple of my cards. Its probably a bit late to turn back now, so the points might be moot, so just call me curious. First of all, do all settlements show up as R-9? What the heck does R-9 mean? How long is it on your credit report for, and where is it found? Also, I have heard it is better to settle before charge-off.

A young woman handed me today a citation in the state of Texas that I'm being sued by a group called McCleskey, Harriger, Brazill, & Graf LLP of Lubbock TX. I don't live in Lubbock, though I do live in Texas (for the last 2yrs, in NC before that). They are suing on behaf of CACH LLC out of Denver, CO for an account for GE Money Bank. I've never heard of them. I think it might be a credit line I opened at Sam's Club when I renewed my membership there and the lady told me I qualified for a credit line on my Sam's Club membership and I said OK. I don't remember ever signing anything.

Found them on the web at loanplus .org. Anyone used them or know about them? There's not a lot of contact info there. Thanks.