Please feel free to share your experience/opinion about payday loans. Here is what I have learnt so far: 1. Payday loan companies do not report to the three major CRAs. They use another CRA called Teletrack that is used by subprime lenders. Defaulting on payday loans will not affect your credit history unless a lender uses Teletrack and usually only payday loan companies use Teletrack. I personally have defaulted on my payday loans for over 6 months and nothing shows up on my major credit reports. 2.

I recieved a letter from allied interstate about a "AT&T" bill for $177.58. I've never had AT&T for anything. My Identity was stoles about 18 years ago, and they are still using my info. So, how do i go about disputing this bill? I am on disability, so I really need this removed ASAP. Thank You, for your time. Two posts combined to one for easy understanding - Vikas

I have been lurking here for a few weeks. I have found a lot of good information, but I don't even know where to start. I am in deep deep trouble. I have managed to rack up 8 payday loans totalling $4000. My monthly fees are roughly 1600 a month. This is almost my whole paycheck. I have just continued to dig myself deeper and deeper. I have no where I can turn to for help. My husband haas no idea, and if he knew, I would probably be divorced. I can not juggle anymore, the whole thing is about to tumble down. Any help would be greatly appreciated.

I'm interested in debt consolidation for both my finace and i. But neither of us are in collections. Will we be eligible to do so?

I am getting ready to pay off all credit cards. Most of them are with collection agencies. I DO NOT want to pay the collection agencies the money. I have heard that there are agencies that don't forward the payment to the OC. Will the credit card companies still accept payment in full? Or will they refuse the payment and force me to pay the collection agencies?

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Hi everyone is it possible to remove bankruptcy from credit report ? regards vincent

I have few questions related to bankruptcy and here they go: 1- What changes were made to the bankruptcy laws in the year 2005? 2- Will my filing of bankruptcy effect my spouse in any way? regards vincent

Hi! Just checking to see if anyone here is familiar with this number and knows who it might be? Thanks!!! shirley 866-822-6756

I wanted to know what effect debt consolidation has on a credit report. Does consolidation have a negative effect?