I just purchased a truck after totaling my car ( I paid cash for it). When I went into the place to buy a new truck, the guy there told me my credit score was 465. I got a credit report for 29.95 and it said it was 565 online. How could it have gone so low within a few days? Also... What are some ways to improve my credit? I have never had a credit card, and the few installment accounts I have had were defaulted on. What should I do to regain control and be able to raise my score? Tips? Tricks?

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I need help I have been trying to get a hold of someone from Bass Associates or I Collect with no such luck. How do I go up setting up payment arangements if I can't get any you to return my calls.

I too got a loan from GFSIL.They called and told my boss that they were with Washington Mutual. You really can't understand a word they are saying. My job wanted a letter from them because they debited my account on the wrong date and caused me to have an NSF. They wouldn't even give her a letter. Thanks to this website, I will be contacting my county's DA because payday loans are illegal here in Georgia where I live.

I need to contact them for arrangements and cannot find their number anywhere.

I used to have a Netflix account. They would bill my checking account once a month the $19.95 fee. Well I cancelled the account and Netflix tried to bill. Well they sent me the notice that they attempted to bill and it didn't go through. I ignored the notice. Now I see that Certegy has the account and it is listed on my credit report, 19.95 + 25.00 NSF fee. That's how I found out about this debt is when I pulled my credit report. I sent them a DV and all I got back was that it was an electronic check that was NSF. No other info.

I set up an account today, but registered under the wrong email. How do I go about changing this???

i took out a payday loan from us fast cash and it was turned over to this collection agency is pinion management licenced in ny can they collect from me if they are not licenced here?

The holidays are a hard time for many people. We want to buy presents, but spending money often means taking out loans, whether by a credit card or some other method. My fiance and I are sending cards to most people on our "list" and spending about $30 per person for stocking stuffers and a present for the five family members we will have with us for Christmas. Instead of lavish presents, we are getting one or two small, hopefully thoughtful, things. So what are you doing to keep spending down during the holidays?