Hi all! I had a quick couple of questions about inquiries on my credit report. From what I understand, inquiries will come off after 2 years. Is that right? Second question, is it true that 5 points are taken off my credit score for every inquiry? I don't remember where I read this, whether it was here at the forum or somewhere else, but that freaks me out, that is a lot of points!! My third question: are those 5 points (or however many it actually is) given back when the inquiry is taken off? Thanks all! ~Mary :)

I noticed in my Equifax credit report that my bank (a credit union) ran a soft inquiry on me. This is the bank that helped me handle the payday loans problem by closing my checking account and opening a new one with a different account number. Also, there is a AR code next to it meaning this is a periodic review of my credit history. Is this a good thing or a bad thing? Will I expect problems from my bank? My credit score is around 650 even though I have 3 charge-off accounts nearing their 7 year reporting time soon and 2 disputed old collection items, also close to 7 year reporting.

I have been getting calls for three years from these guys. I am finally able to pay the bill and get them off my back. I got them to lower the bill over 1/2. They don't have a heart just a mouth and finally will be able to get them off of my voicemail and Axx.

Hi, do you have videos showing that slick tactics of predatory lenders?

If a judgment against me is granted by the judge in my upcoming trial for an unpaid credit card debt, what happens next? I am unemployed so there is no wages to garnish and I have no bank account. Can they make my husband pay the judgment even if he is not involved in the case? His name is not on the credit card nor was he a co-signer on the card. I do have a home and we are still paying a mortgage on it. Can they put a lien on the house or take our car? I am with a debt settlement program and am trying to pay all my debts through them.

Hi JJ :D Today is 12th February. It's your birthday!!! :D Have a nice time with your near and dear ones. May God shower all his choicest blessings at you. All the best and have fun. Ben

I am still trying to figure out if my state (PA) allows restrictive endorsements. I have received an offer from Orchard Bank several times with restrictive endorsements, does that mean it is accepted in my state?

Anyone see the 20/20 episode about skip-tracing the other night? Apparently some skip-tracing moron led an abusive man to his wife that was in hiding from him, by getting her cell phone and new address then giving it out. So, now they are calling for stricter laws on skip-tracing.

Here is some info I found on a website, some of this stuff I did not know.....like about not giving a check by phone, I am guilty of doing that. The website I found this on is: budhibbs.com ATTENTION CONSUMERS! If you are CONTACTED by a Debt Collector: NEVER give them your banking or credit card information. They will take much more than you authorize. NEVER do 'checks by phone' as debt collectors could empty your bank account, you have no recourse. NEVER send them money via Western Union. REMEMBER: Debt Collectors have NO power and NO authority and should NEVER be trusted.

A few weeks ago I recieved a letter from these guys saying I owed them money for a bally's account. I never was a member there so I sent them a dispute letter asking for validation and all the documents required for proof of the debt. Today I recieved another letter but I recieved none of the requested info except for a paper that said "last transaction date" with no date provided and the principle fee and interest, with no sign of how it was calculated or anything of that nature. Below my name and adress was listed with a partial S.S# that did not match mine.