All Questions
Tagged with credit-score debt-collection
29
questions
3
votes
1
answer
426
views
Should I communicate with a collections agency to dispute a claim after it's been deleted from my credit report?
A little over a month ago, I received a voicemail from a debt collections agency stating that they wanted to collect on $200 from an apartment complex that I moved out of 6 months earlier. I assumed ...
- 1,876
12
votes
3
answers
6k
views
How can I inform the collector that I have paid the landlord in full, to update my credit report? Will it help my credit score?
Unbeknownst to me, some apartment debt I paid had already been sold to a collections agency before I actually paid it. Now the collections agency still thinks I owe, (according to my TransUnion report)...
- 413
2
votes
1
answer
163
views
What remedies exist for damaged credit score relative to collection agency?
Background
Ricfer Sanras got a bill in the mail from CompanyX and refused to pay it because she never signed a contract for the services the CompanyX claimed to render.
CompanyX sold the alleged ...
- 265
8
votes
2
answers
2k
views
Will paying off an old $8 collection hurt my credit?
Let me explain a little more. I was the victim of a car accident and medical bills went through the roof. I had about $16k racked up, then my settlement finally kicked in 3 years later and paid it all ...
- 83
0
votes
2
answers
203
views
Can you dispute a negative credit reporting?
I have an above average credit rating and am very responsible with any payments that need to be made. After moving out of my last apartment, I paid all of the rent and never received another bill for ...
- 101
0
votes
1
answer
396
views
Unpaid medical bill - Collection Notice
I do not have any debt in the past 10 years in US. I have good credit score 715+. This has been the case from the beginning. Of late, I had a minor medical emergency and my insurance paid some amount ...
- 709
4
votes
4
answers
1k
views
22 year old with about $3300 in collections, should I pay it all at once or in payments to improve credit score?
I have got about about $3300 in collection.
$1400 is from getting evicted about
$400 is from a time I over drafted a checking account
and the rest is medical bills.
Now I also have a auto loan for ...
- 51
8
votes
3
answers
9k
views
How do I deal with a clinic billing mistake that was sent to collections?
Recently I created a CreditKarma.com account so that I can keep and eye on my credit. Upon logging in, I noticed I have a pretty low score (not that surprising since I just opened my first credit ...
- 1,362
12
votes
4
answers
2k
views
Should I pay an erroneous bill in collections if it is a tiny amount?
I have a very small bill amounting to $43. I was billed this amount when a medical services company sent me a product that I did not order. (It was probably ordered on my behalf by a doctor I visited....
- 221
6
votes
3
answers
3k
views
How to deal with a landlord charging more than what is specified in the lease when I break the lease?
I am not from the U.S. and this is my first experience breaking the lease. I had to break it to move for a new job, and no one would like to sublet the apartment since it is a damp basement. The ...
- 61
6
votes
1
answer
1k
views
Debt sold after 5 years in collections
So for a not so dumb reason 5 years ago I decided not to pay a utility bill (charged me $300 for 2.5 days of service when my normal bill was < $100). Fought with them back and forth and told them ...
- 255
6
votes
2
answers
768
views
Can I pay a collection agency in a way that will improve my credit score?
Finally, I've got cash in the bank.
But this comes after a few years of building up a credit card debt of about $5,000 and not paying it off. A collection agency has come after me. I'm sure my ...
- 61
3
votes
2
answers
2k
views
How badly does a collection account sent to the credit bureau hurt my credit score?
I'm a college graduate, home owner, and I have a decent credit score. I just received a letter from a collection agency claiming I owe upwards of $700 on a delinquent debt from an apartment I lived in ...
- 133
7
votes
2
answers
618
views
Do things really fall off a person's credit in seven years?
I'm looking to start repairing my wife's credit on which she has several credit cards from before we were married. These debts are reaching the 7 year window where I've heard things "fall off" your ...
- 301