All Questions
Tagged with credit-score debt-collection
29
questions
3
votes
1
answer
274
views
Can debt collections show up on my credit report if the collectors haven't contacted me first?
Can debt collectors report to credit bureaus when they haven't contacted me yet?
CommunityBot
- 1
-1
votes
2
answers
277
views
What will happen to a tiny debt if I ignore it?
I received a medical bill of $150.00 and I made a payment of $149.99 (just as an experiment) so technically I own the clinic $0.01.
I am curious what will happen to this tiny debt.
It will cost them ...
- 77.2k
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 ...
1
vote
4
answers
254
views
Payment plan with bank or negotiate with collection agency?
If I have a credit card bill that's months over due, I assume my credit is already shot because of the bill being overdue. The bank sent a notice that if I don't respond within a certain amount of ...
CommunityBot
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3
votes
2
answers
211
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What is the most efficient way to dispute an invalid collection on a credit report?
I had a surgery and a ton of medical issues. All but one thing went through insurance. The healthcare provider for that one thing went straight to collections. I contacted them, and my insurance ...
1
vote
0
answers
67
views
Impact on credit score of paying off a debt very late
We went through a rough patch a few years ago after a disabling accident and got behind on some payments. When things turned around, we squared our accounts with our creditors and our credit report is ...
2
votes
1
answer
292
views
What happens to small bills if they are unpaid?
I understand that bills are sold to collection agencies if they are unpaid. But what about very small bills then? For example, say if there is a bill of less than $10.00, will the company bother to ...
- 1,886
3
votes
2
answers
430
views
Negotiating with a collections agency to remove a valid, small debt from credit report
I just found out that my wife had a debt from a doctor related to our recent pregnancy go to collections. I found out because credit monitoring picked it up - I haven't heard from a collections ...
- 329
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 ...
- 1,936
3
votes
1
answer
240
views
Does not paying a collections company affect credit score?
From a discussion in comments, a question came up. For the purpose of this question, all I care about is my credit score.
I got a credit card, used it and did not pay it back.
The credit card ...
- 70.6k
1
vote
2
answers
250
views
Should I pay off a credit card or a collection balance first?
I have a collection and a credit card with roughly the same balance. I received a bonus and I am able to pay off one of them completely. Which is more beneficial to pay off first?
- 70.6k
2
votes
1
answer
296
views
Improving credit: what should I do about very old debt; ignore, settle, or pay it in full?
I have about $6,000 of very old debt. It went into collections about 3 years ago when I was in college.
Today I have a good job, and I am thinking about the future. I am now interested in improving ...
- 3,710
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 ...
- 226
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 ...
- 260
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 ...
- 57.1k