Collections

i owe some money for a couple of tickets and im worried that it has gone to collections or that if i get a credit check ran that the balance will show. fyi: im trying to rent an apartment and they are going to run my credit. besides that i dont have any credit history, i just wanna make sure that this wont show up. HELP!

If you are talking about driving infractions, I’d be very surprised if the state of California used debt collectors to collect their debts for them. It seems like it would be redundant…because creditors use the court system to get their money. They already ARE the court system.

Tickets should NOT affect your credit but, may affect other things like, oh I don’t know…a warrant for your arrest maybe? Like going to jail if you get pulled over again.

It’s not smart to not pay tickets. You know that. I don’t need to tell you.

I have just got a copy of my credit report. I have two collection companies that were started on 3/1/09 and 01/01/09. If I contact these companies and start paying them will my credit score raise any? Will it go down? Im trying to get my score up so I can buy a more realible car end of this year.

it will take time. maybe 6 months to begin to show positive numbers again. but what you want to do is the right thing.

So I just started my credit and I had a loan with those payday loans but they renewed it and I never payed so now Im in collections, how bad does his affect my credit, I want to buy a car next month because my crdit is now 725 how many points does collections take from your credit?

I dont think that points are going to be a problem here. THe main problem that I would see is that you have an outstanding debt that you did not ay. IT would be hard for you to find a decent rate for a car loan (if you can find one at all) due to the fact that you have refused to pay another debt.

I think that you will be at the buy here pay here lot trying to get a car which means an older car of poorer quality and higher cost/interest rate.

Are you actually sure you can afford a car?
If you are borrowing money from the payday loan place, it is not a good sign to lenders, that you have not paid is worse since anyone who gives you some colateral is risking having that item (the car in this case) tied up in litigation (the payday loan people put a lean on the car)
I think you should get this taken care of before you try to buy a car.

I have a 547 credit score, and few collections, can i apply for new aprtment?

You may want to work on that credit score a bit first, but some would be OK with it.

A prior cable provider has a collections claim on my credit report for $35. When moving away from the area (2 years ago) they do not show that I returned the cable modem (which I did). I was not aware of this until I went to refinance my auto loan. I called the company two weeks ago today and they were looking into the issue. Since then I have spoke to 5 different people and no one is calling me back - and I have called 30+ times where the call is unable to connect because the lines are all full.

I want this off of my credit report because it is hurting my ability to refinance at the low rate. I tried disputing it with Experian and it came back as a confirmed current claim.

Normally, you should never just pay a bill if you have valid reasons to think you don’t owe it. Do you have no proof you returned the modem. If you don’t then the simplest and quickest way would be to pay the item. Proof that you returned it would be something like a receipt or Proof of Mailing. Just your verbal "I returned it" will probably not hold up in any court.

First stop calling them. Any communication with them should be through certified mail with a return receipt. This way you have proof that they got your letters.

If you do have proof send a copy of this proof to the collection agency stating that it was returned and you want this item removed. They have 30 days to respond and if they do not respond in 30 days you can contact the Credit Reporting Agency(Experian) and state that they did not respond and have it removed.

If you have no proof, send a letter to them offering to pay the amount in full IF they remove the collection account. In most cases they will agree to this. However, do not send any money to them until you have a letter from them that they will agree to do that.

2 of my credit cards are in collections, I worked out payments with citibank for my mastercard and they are willing to help me. The collection agencies for the other 2 want such a high amount of payment that I cant keep up with (I am a full time college student). Is there any way to remove myself from collections and continue payments with the original company (citibank)???
Well yeah I know now not to use them. The only reason it was hard to keep in contact with my them was because I was away at college.

No.

Citibank has already sold your account to the collection agency.

i have a few accounts in collections and am wondering if there are any good companies out there that can consolidate them by looking up my credit report and help me pay them off. the total owed is about $3000 dollars. please thank you.
i am looking for a company that will work with the creditors for me, specific companies not advice on calling up the creditors i want to use a outside company

Step-by-Step Credit Repair Guide: Bad credit can frustrate your efforts at getting a credit. Hence ensure you keep your credit report clean. If there are any errors in the report, undertake credit repair to clear out any errors. This can be tiring and frustrating, but highly rewarding. Though law recognizes and protects your rights, it is your duty to remove any anomalies in

I have never had a major purchase that I fianced such as a car or a home. I have also never had a credit card.The only negitive thing or positive I have is old medical bills that have been sent to collections and it anly amounts to 2200.00$. The most recent one is from 2004.
I have heard that paying the bills off does not get them off of your credit.

the truth is that those account have already hurt your credit and by paying them off now it will not help. the damage is done. what you can do is start off by getting a couple of small store credit cards or even a regular credit card with something like a $500.00 limit. now what you do is use the card when you would normaly use cash. example you and a friend go out to eat, you pay by credit card, collect your friends half of the money. when you get home place what you just spent into a jar or somewhere that you will not spend it again. then when the bill comes in pay it off complety or leave just $15. on it this will build you credit and you will soon have more offers for credit card. Pick and choose by seeing if they are charging an annual fee. if the are dont take that card. if they are not than except the offer and do the same thing by spending and paying. with in a year of this you will have established credit and your limits on the cards will have increased. keep in mind you have to be carefull when doing this not to spend the cash later that is how you will become in debt and in trouble. after you establish these 5 cards pick which have the best rates and keep only 3. good luck i promise it will work

I have collections on my credit report that have to be paid before I can apply for a loan that works out for me and my husband. I don’t know how to go about contacting the companies with the collections. Both companies have sold the accounts. In the pass I would get mail asking for me to pay a settlement, I would like to actually do that now that I need to, but I can’t find the companies and I’m unsure if they’ll offer the settlements anymore. Any suggestions?

When you run a detailed credit report all of the credit collection addresses on on the back page, this is very easy to get. Go to myfico.com and run all three credit reports. If you have cash to pay the accounts, negotiate them down. Offer half of what you owe in cash the day you call 9 out of 10 times they take it.

They are:

Open Account (credit card): 3 years
Sale of Goods: 4 years
Written Contract: 3 years
Domestic Judgment: 10 years
Foreign Judgment: 10 years