Hello All!! i just pulled my equifax report & have some questions. 1) I have citibank credit card that i paid off in 3-02 actually it was settled but equifax doesn't say that. The only derog is feb 02 for 60 days. acct opened in 1995 btw. should i dispute this & hope they don't find out it was settled??? Settlements stay in report for 7 yrs? How long will a derog late payment? I have afew settled accounts already. I wish i had known at that time what a negative impact a settlement could do. thanks for your time. Rach

i would like to know how to reach a settlemen with this dep.

After a relaxing weekend lets explore the lighter side of life, A wife was very unhappy with her car and complained a lot to her husband:"Buy me a surprise for my birthday" she said. "Something that accelerates from 0 too 100 in 4 seconds"......" And I would prefer a blue one please"! Happy and excited she was counting down the days for her birthday.

Okay guys, not a big thing here but I wanted to share. When we talk about getting original creditors or collection agencies to agree to update with the credit bureaus before paying them off--I always say, that if you can't get them to respond to your request, or they say they will but don't, that you can always go to the credit bureaus and dispute it with them and let them do the leg work and investigating. And let them come back and update from there.

Can I still use my credit cards while doing debt consolidation? Will the creditors close my accounts?

Does anyone have the 800 number for this payday loan company?

Particularly as the result of defaulting on a payday loan? DON'T WORRY! The police are not going to be the "muscle" for some shady payday loan company. The police do not want to be involved in civil issues. And this is certainly a civil issue. When these companies take your "post-dated" check, they know you do not have the money when you make the agreement. Therefore, it is NOT the same as writing a hot check. It is not fraud, because they KNEW you didn't have the money. Can they take you to court for defaulting on your loan?

Hi all...I found this site/forums doing a Google search. I've been pulling out hairs trying to find something like this, I thought I was alone in my troubles. So far, I've been able to handle the payday loans I have, but it's finally caught up to me. I just got done creating a spreadsheet with amounts, contact info, etc. No wonder I can't sleep! How did it get this bad? Anyhoo, can someone tell me what this "T&C" is that I read about here? Are there any other co.s that will help with this? I called a few found on searches, but none will handle this sort of problem. egw

Before we were married my wife had some dings on her credit. I know in the state of IL I am not responsible for prior debts that she had, a lawyer advised us of this and I don't even pick up the phone when they call the house. We were married late last year but they have been calling before we got married, well before we got married. One recently we think has been calling is a company called "Credit Control" The guy on the phone asks if I am "David Keller" No, I don't know who he is but he does not live here. I am guessing it is because maybe the prior phone number was his.

Has anyone had any dealings with First Financial? They called me at work and left a message. I haven't received anything in writing from them yet.