Consumer Credit Reports – equifax experian score

lectric lady asked:


on my credit report I have several hospital bills that are over 7 yrs old but the collection service only reported them 5 yrs ago. so do i have to wait 2 more years or can I get them removed now?

TIMOTHY

tina4545 asked:


I mean come on they will not hire you because of your credit report but how can you pay off the debt with no job?

ANDREW

Lyn93 asked:


I am overwhelmed with loans, Credit Cards, and bills. The thing is I have decided to go through Consumer Credit Counseling to have my interests on my loans lowered and pay off my loans, and the Credit Cards which are now in collections. I cannot handle this debt on what I make, because my job has cut hours, and cut completely out overtime. I was told by someone who went through Credit Counseling, and she sent them the money that they were suppose to send the different bill collectors to pay their debt, but the Credit Counseling took too long sending out those payments, and she received numerous of calls from her debtors. Eventually the money was sent to her debtors, but it caused her credit to look worsier on her Credit Report, than if she would of handle it herself, because they took too long sending the payments. My question is, Is getting help from Credit Counselors the way to go?

NICOLAS

Fine Fine asked:


I had few credit cards since 2000. I did not make any payment on thouse cards but my credit report shows charge offs. Is there anyway i can fix it or what can i do ?? please help me.

THURMAN

Roderick C asked:


Being that it’s been stated, a charge-off stays on a credit report for 7 years, regardless if you pay off the balance or not, I was wondering if it would be worth it paying off the debt in the near future (long before the 7 years are up) as the right thing to do.

ALBERT

credit casualty asked:


I’m trying to not file for bankruptcy. Overdraft protection is the only thing keeping me from making late or no payments at all on my bills and that’s nearly maxed out. I’m in huge cc debt, apppr 35k, and bankruptcy seems like the easiest way out and to feel like a person again. I want to try and fight my way out of this mess if I can. I would like to see if a service can help me but know there’s a lot of scams out there. Is CCCS a debt consolidation service like Debtco or are they two different things? How do I go about finding a fair and reputable service? What types of questions should I ask? I’m near Portland, OR. Anyone have a suggestion of where to find a good service or lawyer (if bnkrp is in the future)?

Also, is a charge off really that much better or different than filing for bankruptcy? What’s the difference when it comes to your credit report and how it is viewed by potential lenders?

TIA

MATT

Gina S asked:


Statue of limitation for debts unpaid? medical or anyother? what about interest on accts written off? how about same debt on credit report with an open status and same acct number but different collection agencies and or attny office. Another thing, what if an acct was never open? or debt does not look like one i have, Collection agency wont provide info on original debt or statements because the debt is bogas. and please do not leave a response like get a job, i have one, or pay your bills, it isnt called for and i am looking for advise not nasty comments.

IAN

meehshelly asked:


Having a hard time finding employment, I have a degree and experience, but financially its been difficult and had to make ends meet. so bills are left unpaid. trying to get a job to pay back…any advice

KIETH

Victoria M asked:


I had a credit card that was delinquent and was from 2000 and has been removed from my credit report now a collection agency is calling me for payment is that legal?

COREY

Philip Augustus asked:


is there a credit card or bank account that allows unlimited free access to your credit reports?
I know wamu used to have one. which is gone now.
wamu still says they do

https://www.wamu.com/personal/credit_card/default.asp

just wondering if anyone else does.

CAREY