I have heard stories free report credit Philadelphia of people paying off their debt but the company leaving them as unpaid on their credit report. How do I go about paying everything off while making sure it is taken off my free report credit Philadelphia credit report for good? How free report credit Philadelphia long does it take your score to change after you paid everything off? Answer by bdancer222Paying off old debt will not improve your score. The damage is already done and the derogatory item will remain on your credit report for the balance of the 7 year reporting period, whether paid or not.
However, creditors do free report credit Philadelphia look at your whole report, not just your score. With this in mind you should try to settle for as little as free report credit Philadelphia you can. If the debt is over 3 years old, offer 25%; 2 or 3 years old, offer 50%; less than 2, offer 75%.
Get any settlement agreement in writing and keep it along with your payment proof, forever. Do not give collectors direct access to your bank account. credit report government free If any of the derogatory free report credit Philadelphia items are single entry items like medical and utility bills, negotiate a pay for delete you pay $ x and they remove the item. But it doesnt work for regularly reported items like credit cards and installment loans.
The collection agency cant remove what the original creditor reported. After you get every thing cleared up, you will need at least 24 months of consistent, on time payment history to see improvement in your score.
Add your own answer in the comments! free report credit Philadelphia Tags: Credit, debt, Report:, sure, taken, unpaid Question by bri: What is the Difference between Financial Aid and a Pellgrant? What is the difference between Financial Aid and a Pellgrant? check my credit score A clean, easy to read and understand description of each would be most appreciated!
Answer by josh cFAFSA = free application for federal student aid; see www.fafsa.ed.gov The Pell Grant is one form of financial aid. Leave your own answer in the comments! Tags: between, difference, Financial, Pellgrant Question by Coco: How many years of credit do I have to establish to get a brand new car under my free report credit Philadelphia name? I just turned 18 last September, own three credit cards, and have an excellent credit score. Im looking to buy a brand new Cadillac this free report credit Philadelphia summer. You think any dealership will take me serious and allow me to finance a car under my name without my parents help? Answer by michelle bThey will take your income in consideration free report credit Philadelphia of getting a loan.
They want to make sure that you can afford the payments. They also want to know how long free report credit Philadelphia you have lived at your current address, most want you to have been there at least a year. safe free credit report They will want to know how long you have worked at your current job. Its more than just your credit score that determines if you get the loan. Leave your own answer in the comments! free report credit Philadelphia Tags: Brand, Credit, establish, many, name, Under, Years Question by azkoolchik: How long does this take to come off my credit report? I had an account in collections that I did not even know that was there until I pulled my credit report and I payed the full balance.
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