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I am a mom in oklahoma that has fallen in this economic hard time and havegotten into a bad spot with internet loans. i stil lhave my bank account but i have a few loans out and dont want them all in my back as to where i cant pay any of my other bills, if you dont pay the loanb back in full they will keep deducting the FC out of your account which adds u pif you have several to speak of. zip19,cashbanc,summit group,jvc processing,inmyaccount.com and kingston financial.what can i do to consolidate these im already in the hole 1800-2000.

do they help your score? Do they hurt your score because they are closed? What is your score based on? Open, closed combination of both? Do paid collections help your score? How can I help m score if all my open accounts are paid as agreed but too many previous paid collections(years ago about to fall off)? Everything is good now, accept my score..are we bad debtors just destined to have bad credit for 7 years??? i have disputed everything but that was no help...

where can I find info on legal vs illegal pay day loans for NY

I filed bk ch 7 in 2002..I thought it was to be reported then for 7 years now its 10..Has is always been 10 yr credit reporting? What law other than fcra says how long bk should be included on cf? Also, when it does fall off, how much will my credit score raise? Any info would be helpful..

I have read many of these postings and I would like to make sure I understand what I am supposed to do before I start anything in motion. First I live in Ohio, I recently received papers from my employer showing me they have recieved court documents ordering my wages to be garnished for a medical bill. Two things I noticed about the paperwork, first I never received notice about the court hearing second, they filed their paperwork in Toledo, Ohio. It was my understanding since I live in Columbus that they would have to obtain the judgement in the county I live in.

I am so appreciative all of the help I have recieved over the year from this blog. Thank you guys-you really have helped me tremendously throughout the last few months.. Anyway, here I come yet again with another question..I have an old judgement against me for a medical debt. Which was paid when occurred..However, it still shows amount of $XXX.XX. THis was paid, what should it say on cr? How does it notate it was paid? Does it make a different on score if it was paid vs not paid? Also, is medical stuff alowed to be on cr? How should it be privately notated?

Ok. I had an auto lease 4/02-4/05. The lease was paid every month. At the end of the lease oc claimed I owed roughly $850. This ammount was never paid..and showed on cr as "charge off as bad debt" and purchased by another lender. In an earlier cr bedore charge off(1/4/07 two years after lease termination) it was reported as " full termination payment scheduled completed for terms of agreement," with the balance owing of $850.00. The ending balance has never been validated nor explained.

I have great payment history; however, a large amount of debt, which drags my fico scores down. I do not have the funds to pay down large amounts to debt as of now, but can maintain my good payment history. Any suggestions?

I don't want to put to much info in case they are reading here. Anyway my state is one of those that allows pdl if they are licensed in any US state. So one that I am trying to deal with is licensed (but does lots of illegal stuff as well). I sent an email a week before my due date revoking ach and requesting a payment plan. They sent me an email back saying to call in to dicuss it. But they went ahead and sent the ACH thru anyway! Fortunately my account is closed.

assuming I have settled all me credit cards debts, except of those account settled and closed there are no other account besides car loan and mortgage, which both or never late should I be oppening new credit card and pay as agree on time to repair my credit or is it enough to have mortgage and car payment?