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hello, i paid off my entire balance on a capital one credit card about 2-3 years ago and i never had a default with them. since paying the balance off, i have not used the card for new purchases. a couple of months ago they sent me a letter stating that they are closing my account because i haven't used the card in so long. my question is can this hurt my credit score? can they even close it without my consent? thanks.

I took a look at my credit reports (all 3). Difficult to navigate thru. Right down overwhelming. I have accounts listed as charge offs, that were entered in the Bankruptcy. I have Judgements as well that were listed in the Bankrutcy, but still show as Judgments. All are the Original Creditor. My 1st question is can they be listed as both on the credit report? judgement and Bankruptcy/ Charge-off and Bankruptcy. Is there anyting I can do about the entries?

I live in CA and wondering if Express Money Center is legal. I am receiving collection notices from A&S collection Associates, Inc.

Hello. I am a self employed which I am finding out it is worst for your credit. I really need help my fico is 587 I need to improve it quick to purchase a home. does it really work faxing letters of disputes about inquiries to the 3 credit agencies. or do i first do it with the creditors. I have several hard inquiries on my credit that i want to remove. and how do I deal with them? Thanks in advance

I was looking into my credit report and contacted a collection account that was listed. The company advised me that I had paid the face amount of a NSF check but still owed the service charge. They are now trying to collect on the Service Charge. Is this legal and is there anything I can do about it. They have the check listed from June 2007.

I sent out a DV letter to a CA (NAFS). They are trying to collect for Blockbuster for movies they say I kept. What they sent me in response was printout with no letter head that anyone could have typed listing my name and several movie titles. No monetary amounts anywhere. Thier letter states they have provided me with as much dcoumentation as they were able to acquire from thier client, more then required by the legal standard. Obviously this isn't what I asked for in the DV letter. Do I send another DV letter or what?

I do not recommend this collection agency they are very rude to the people who they are trying to collect the debt from for example. If your wife answers the telephone they will make fun of her if your children answers the telephone there make fun of them calling them retarded and you yelling and screaming at you threatening with lawsuit. They are very unprofessional I do not see how they can collect any debt being that rude to people. They are making fun of you 98% of the time just to try to make you angry 2% of the time trying to collect the debt.

If I enroll in a DM program, will I be eligible for obtaining mortgage????

today i was served with a summons and complaint. i am being sued by harvest credit management. attached to the summons was an affidavit the attorneys office got from harvest. when i did my DV letter back in january thats all i got back from them. today my question is HOW do i answer this summons without having to go through a lawyer (bad economic times can't afford it). i want them to verify the debt by proving with the signed contract (which i know they won't be able to get since all i got from the DV is the affidavit). how do i word a summons right? i have no idea what i'm doing.

if i feel, i can't pay my debt, should i file for bankruptcy?