All Questions
Tagged with credit-score debt-collection
29
questions
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
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
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
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
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
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
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
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
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 ...
- 415
3
votes
3
answers
386
views
Credit Score, Collection from 1 year ago, have not lived in america for 4 years
I used to live in America for 2 years, but i moved back to my home country in December 2012, i will however will be moving back to American next month. I checked my credit score (story behind why in ...
- 31
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
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 ...
- 681
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?
- 335