All Questions
Tagged with credit-score debt-collection
29
questions
-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 ...
- 1,571
3
votes
1
answer
267
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
1
vote
0
answers
66
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 ...
- 1,571
3
votes
2
answers
423
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
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
1
vote
2
answers
243
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?
- 257
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 ...
- 195
3
votes
2
answers
211
views
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 ...
- 131
2
votes
1
answer
184
views
Collections account on one credit report yet CreditKarma reports my scores are almost the same. Why?
I've been fighting with the credit reporting agencies to get an incorrect collections account removed from my report. Two of the three have complied, but TransUnion is being very stubborn. It's been ...
- 1,866
0
votes
1
answer
110
views
When does a debt collection affect one's credit score in the United States?
Bob lives in the United States. Bob didn't pay for a bill, and the bill was sent to a third-party debt collector. When will it start affecting Bob's credit score? For example, will Bob's credit score ...
- 11.4k
1
vote
2
answers
572
views
Best way to deal with a $2700 Collection for unpaid apartment expenses
I am looking to rent a townhome and I have a credit score of 762.
Over a month ago I got a notice about a new account on my credit report, so I look into it. $2800 collections notice from an ...
- 13
1
vote
4
answers
247
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 ...
- 10.2k
1
vote
1
answer
261
views
What's The Best Way To Pay Off My Collections?
I have a poor credit score, 597 to be exact. I'm 23 years old and looking to purchase a car but of course I want to get my finances in order. The only 2 major hits I have on my credit reports are from ...
- 13
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