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I sent out a few Settlement/ Pay for Delete's, however if I can't get the creditor to agree to that, then what's the next best thing to have listed on my credit report...please be specific? Thanks.

I was debited $105 today by the Little Loan Shoppe. Never got a loan from them. I called and the person was nice...said to send in all ACH debt and Credits since 1/30/09. Said I got a loan of $300 on 1/30... Will see............ Anybody know them

I am sort of nervouse about being sued by a CA. If i am sued is there anything i can do to avoid getting a judgement that will show up on my report. I've made great strides in repairing my credit but have found this CA impossible to work with. Is it possible to settle after i'm sued and before it gets to court? what is the real impact a public record would have on this?

I am in chexsystems and one of the CA's i am paying off is related to a B of A account...I contacted B of A and they verified that that that CA had the account and i had to deal with them. My question is once i pay off that CA what will be reflected in my chex report...will it say i still owe that amount to B of A? how long do bad items stay in this report?

I have a 1099c for cancellation of debt from Amex and was wondering what are the different softwares that you have used and which support for 982. Appreciate the help! edit: I am insolvent, so I am looking for the software to check the insolvency box

I GOT A CALL YESTERDAY 2/19/09 FROM MR. BERNSTEIN AT A.S.ASSOCIATES STATING THAT IF I DID NOT PAY V.I.P. CASH 600.00 DOLLARS BY 12:00PM MY TIME TODAY THAT I WAS GOING TO BE SERVED WITH A WARRENT FOR BAD CHECKS. MY BANK ACCOUNT WENT IN THE ARRERS AND THEY KEPT ON SENDING IN THE DRAFTS. HE SAID THAT THEY HAD 7 ALL TOGETHER BUT COULD ONLY COLLECT ON THREE OF THEM. I NEVER RECIEVED ANY THING IN THE MAIL. I KNOW I OWE THEM AND WANT TO PAY THEM BUT I CAN ONLY DO LIKE 35.00 PER WEEK.

I am so happy. Payday-loan-yes. Cleaned out my bank account a couple of weeks ago. Taking a total of $590. I complained to the FTC, BBB, and my states Consumer affairs. I just got a refund of $210. It's not all I requested, but hey, I am not complaining. I am definitly satisfied. However, my question to you, is do I take this further and ask for a PIF? I just don't want them to come back and haunt me again. Thank you for your forum. I finally have some good news to share

Recently a 505$ medical debt appeared on my report, only on one of the three CR agencies. I can't afford to pay it now. I did get medical services but do not remember the bill being so high. Would anyone please help with an advice? Should I send debt validation letter? How should I approach this in order to get it of my report as soon as I can? Thank you guys!Smile Steve

Please join me in cogratulating Phoenix for their recent elevation to Moderator status. Phoenix has devoted a considereable amount of time helping out others and is a valuable member of the community. CONGRATUATIONS!

i am a victim identity fraud . someone bought a car in my name about 8 years ago the company keeps selling the debt to other company what i need to do