Should I pay American Express or the collection CA

My charged-off account is with American Express; I owe $1,074 and can pay it in full. I have received letters from a CA willing to settle for $700. My Credit report lists only Amex. I was planning to reopen the account to replace the bad credit by paying in full. Would it report the same if I just settle with the CA for $700 and find an alternative source of credit (like Old Orchard). I spoke with Amex and inquired about any good will policy that could be implemented with payment in full – they referred me to their credit department (which I haven’t contacted yet). Since this will fall off in 2009, I want to avoid any re-dating by Amex, but I would also like to take care of my obligations.
--------------------------
It would be better to do business with amex
they will blackball you forever if you do not pay them no matter what your report says
and
you can get new good credit with them.
bypass the ca, but ask amex about the ca and if you pay will the ca go away
get something in writing, on business letter head before you pay
--------------------------------

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------------------------------

Bk discharged in January 2001 but still on my credit report 7 years later

I filed BK (chapt 7) and it was discharged in January 2001. Is there any reason why it would still be on my credit report? I thought these fell off after 7 years. And if I am incorrect with my assumption is there anything that I can do to get those credit card debits that say “included in bankruptcy” off of my report?
------------------------------
I am pretty sure bankruptcy shows for 10 years.
Matter of law.
The accounts included in BK should be off.
Dispute them all and say reported incorrectly. BK discharged Jan 01
Include a copy of your discharge papers.
----------------------------
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-----------------------

New collections found on my Equifax Score Watch report and score

I'm coming to you b/c you helped me once before and I was able to get 3 medical collections off my account and of course my credit score has been building ever since. 2 years and I'm very proud of my score. I watch my credit report monthly and even sign up for alerts and this morning one just came in about a collections. It's with Oxford Collection Agency. I don't know anything about this and never rec'v anything from them. It doesn't show what creditor they are assoc. with and if they are assoc. with a creditor, it has to be a very aged acct b/c everything past my college years are current.
1. How do I find out what old credit account this is w/o getting balled up in their fraud attempts to collect?
2. Isn't there something I can doing in regards to the statutes of time or something like that?
3. It's obvious they don't have my home phone number or house address so if I send them a letter I surely don't want to help them harrass me; should I go through an attorney? I just want to make sure my credit remain clean and definitely not be affected by old debt.
----------------
I would dispute the account with the bureaus as "not mine" remove from my report.
then if the account comes back verified.
use the address and account information to validate the debt legally.
then follow up validation
You do not know how many years it has been on the account until you dispute it and get moe information.
-----------
On my credit watch with Equifax I can do an online dispute, would you say this is wise or it may get hairy as well; I don't know what company this is with. It has to be ancient! I just hate this unknown collections has come up on my report.
--------------
you want to dispute with whatever bureau the account is on
sometimes the account is on all three
but if you wish to dispute with equifax online. by all means do it. but make sure it is not on the other bureaus also i like to mail disputes myself
---------------
Actually b/c this collections places something new on my report, I was able to pull a new report and see more details. It's showing something w/ Lab corp. a medical billing issue. Which is what I'm experienced w/ handling... thanks to you! Anyway, I contact Lab corp this morning and they are not showing any bills for me; then I noticed the collections said 1st report was Jan '04 and passed over in 2006. At any rate she said I will need to find an acct. number from the agency so she can do some research, but the amt. the debt is $98 sounds familiar to me but was paid so I'm contacting Bank of america to try and get a copy of payment. I think I'm going to be fine. Again, I have not rec'v any bill notices, which is strange for a collections to pop up w/o a letter. right?
-------------
depends on wheather or not you have the same address as 2004 i guess.
-------------
ok, this is really getting weird! I have spoken w/ Lab Corp 3 times today and also Oxford, neither show me but the oddest thing and I know an error on my part was when I called Oxford they couldn't locate anything under my name; then they asked for my ss#; he said he didn't see anything under that either; asked for my number I told him I don't like to give this out, he said it's his search method; then said he didn't see anything and maybe they had sold my acct to someone; when I called Lab corp afterwards they asked for my last 4 digits, which after I thought about it is the norm; Could I have just given Oxford something to validate an old bill? I told Labcorp if I owe something I had no problem paying, I just have not rec'v any information from them or credit agency. Do you know if I can have this removed, if I did in fact owed them but the address they had on file was incorrect and I never rec'v it? Thanks again for your help! by the way....I have equifax investigating now.
---------------
just dispute the bill at all three bureaus
they cant find it
neither can the bureaus
it is that simple
-------------------------
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---------------------

I am not sure how I can fix my credit score. Paid Collection cell phone court

Im not sure how I can fix my credit score. I currently have paid off all my bills and collection fees. Really the only thing I haven't paid for was a few cell phones that I naiively opened under my name. I am now having to take these people to court. I paid everything off but I saw no changes in my score. I was denied cable and cell phone service. But have my power, water, gas, and rent all under my name with no problem. I don't understand, seeing that I just paid all these bills off after the fact? Help, any advice would be greatly appreciated.
-------------
BECAUSE
paying off collections is not good credit....... you have to have good current credit
http://www.oskie.com/raise_credit_score_fast_quickly_free.htm
I must have at least 3 reported credit lines or personal loans that are current the past two years) and rated (open at least 12 months). This is the very best way to raise a credit score 50 -250 points over no more than a 2 year period and sometimes in as little as 6 months. it is that simple
you have no good rated lines of reported good credit
all you have done is paid off collections.paid off collections is just that. paid off bad credit. get new good credit use this
Applied Bank Secured Visa® Credit Card- Best card to help really bad credit. You WILL be APPROVED and reported to bureaus for good credit but you have to deposit funds to overcome the really bad credit. AKA secured credit card.
-----------------------
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How much do paid collection over 12 months and 24 months hurt your credit scor

I have two collection accounts($268 phone bill and $58 insurance bill) that will be still listed on my report when I apply for a home loan next year. They have been paid in full. The newest one will be about 14 months old paid and the other one will be just outside of the 24 months paid time frame you always mention in your blogs. Each collection account is approximately how many points off of your credit score? I know it depends on the age of the account. 10 to 50, 50 to 100, 100-250 points? What are the deciding factors? You said outside of 24 months very few points but what about less than the 24 month period.
-------------------
i would say about 25 points for one paid collection that is more than 12 months old
if it were less than 12 months and unpaid probably 50 points this is assuming a lot though assuming you have several lines of credit that are less than 79 balance to high credit ratio
and all are more than 12 months old.
and your score is higher than 600 if ones score is less than 600 it would not hurt your score much
there is really no absolute definition to your question. plus i cannot read your report
if i could look at it i might be of more help
each report is unique
-----------------------------
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Need to get new good credit but I get turned down

I am 21 years old and I am now starting to understand how the whole credit thing plays into "the real world" I have two chargeoffs that are paid in full and my credit score is a 548, how can I go about rebuilding my credit. I am looking to buy a house in the next two years, my fiancé however has excellent credit, but I want to rebuild mine just to have better credit. HELP please!!!
-------------------------
http://www.oskie.com/credit-repair-negotiate-with-creditors-remove-delete-bad-credit-collections-charge-offs.htm
get a gas credit card no matter whatpay and upfront fee to get started.
or get a the applied visa with an upfront fee
takes 1 yr and your score will go up
IF
all your past bad debts are paid off
------------------
like a secured visa, one you have to deposit money into?
Ive tried to get a gas card and I was denied.
--------------------------
yes
BUT
you have to make sure they report to a bureau
the applied visa will do it AND those cards that turned you down will do it
IF
you send a deposit in with your application
read the link and see what i did with bp oil
http://www.oskie.com/bad-credit-no-credit-secured-cards.htm
----------------------
I went to appliedbank .com is that the right place to go?
----------------------
Applied Bank Secured Visa® Credit Card- Best card to help really bad credit. You WILL be APPROVED and reported to bureaus for good credit but you have to deposit funds to overcome the really bad credit. AKA secured credit card

Credit for you. Student loans 120 days late and credit cards not reported to Experian

Hey there, just happened to stumble upon your website and read your story. I am in a similar situation now (at least I did not think i was) but let me tell you a brief synopsis about myself:
- Credit for 11+ years- Married- Have not been late on any payments for several years- Some inaccuracies on Experian report I need to square up- $0 credit card debt balances all have been paid in full and still open (4 total)
Here's my problem....
1.) I have been great at paying on time for year, but around 5-6 years ago I had student loans that I was not even aware of which went into default 120+ past days due several times. Since then I have never missed a payment. They are government lenders for Student Loans and wondering if it's possible to negotiate with them at this point because I keep paying and the balance goes nowhere!
2.) I have 2 joint Credit Card accounts with my wife in both of our names and both are missing from my report, including a huge mortgage we paid off since we sold our property last month. I couldn't believe it wasn't on the report.
I have to say when I opened up my score from Experian at 606 I was shocked. We make good money, never miss any payments for the last several years now but feel like I have been ripped off and now can't even think about applying for a mortgage at this point unless I get the score back up and feel totally helpless.
Any help or insight would be tremendous ~
-------------------------------
i would ask the student loan folks about the one time forgiveness plan they have on loans

you may not qualify and it you may not be able to change your past lates
but I do know they have a forgiveness program. I am not sure about details at all
just call them and ask them

your credit cards and mortgage may have been reported to the other two bureaus or just one of the other two bureaus
or none may have been reported at all
always get your report from all three bureaus

who was your mortgage with
who were your cards with. what bank AND were they a visa, master card, or american express? here again.
i would call the banks and ask if they reported
----------------------
Thank you for the reply. I will call the school loan folks and see if I can help myself first. Is it possible to settle for less with same lender and not have that show up on your report as being "settled or less"?
----------------------
not really
if you settle for less, why would someone say you paid in fullunless, they are desperate for your money and, you are a good negotiator
i would not plan on that happening.
it is good to get, the date of last activity and zero balance marked in stone though.
after 2 yrs, the settled for less becomes meaningless if you have good current rated credit and, the account shows zero balance
-----------------------------
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I got divorced and court odered ex wife to pay van and cards

I got divorced a year ago. The judge said in the divorce decree that my ex wife was responsible for the credit cards and the van and I am to be held harmless. Well she filed bankruptcy and the van was repossesed. I am afraid they will come after me but they took the van and sold it and have not yet contatced me. That being the case if I am responsible then why didnt i get notified with a chance to pay for the van? And if not a judge said I wasnt responsible can he turn right around and hold me liable after the fact ?
-------------------------
credit and law have little to do with each other. The van folks use the address on the note. They probably do not even know where you are to contact you.
even if a judge decreed something, you can still get hurt with your credit. All you could do would be sue your ex for the money legally. This will not help your credit nor stop the van folks from coming after you.
------------------------
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Bad Credit good credit

I have bad credit over 7 years old on my credit report. Most of this credit my exhusband opened in my name. I have tried to dispute and have had some taken off but not much. Isn't it supposed to come off in 7 years and if so how do I go about telling them to take it off because it is longer than 7 years? I also have tax leins from my exhusband's business on my credit report. Just a couple months ago I got my yearly free credit report and they are showing that they are paid (he must have paid them off) but I want them removed because they are not mine! I have been trying to get credit to help raise my credit so that my current husband and I can buy a house because it is the perfect time but I can not get anything. They say there is to much bad credit and not enough good credit. Well, no one will give me credit so how am I supposed to have good credit. Please could you help with some tips of ideas. Thanks so much for your time.
-------------------------
http://www.oskie.com/credit-repair-negotiate-with-creditors-remove-delete-bad-credit-collections-charge-offs.htm

get a gas credit card
pay up front
tax leins? paid 7 yrs?
If it has to be 7 yrs since DOLA date of last activity not date you opened account I would validate legally all the debtsIf they do not have your signature....it is not legal

http://www.oskie.com/credit-repair-negotiate-with-creditors-remove-delete-bad-credit-collections-charge-offs.htm
validate and dispute those debts

http://www.oskie.com/free-credit-help-sample-form-letter-letters.htm
--------------------------
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Negative Entry removal, consolidation loan & negotiation with original debtors

Background: I had flawless credit (700+) up until 4 years ago when I lost my job and did not have income. I've gotten a foothold on my finances again and I'm trying to rebuild credit. I'd like to get an apt and move out of my house, but my credit score is below 590 right now.

1) I have 3 legitimate debts that I owe for credit card balances. On is with Amex and I will negotiate with them directly. The other 2 are with collection agencies... I tried to verify one of them and they sent me a letter saying they would look into it, reported the debt as disputed, but continue to send me requests to settle the debt... it's been 6 months and they still haven't verified... the remaining collection agency has sent 2 vague letters saying legal action will commence if I don't pay them. Isn't this illegal to threaten legal action w/o following through? If you think I should deal with these 2 agencies, what's the next step?

2) With these 2 debts in the hands of collections agencies, it it better to call the original debtors (Chase and Bank of America) and negotiate to have the entries removed if paid in full? I had long standing excellent payment histories with all my credit cards before I had financial issues a few years ago. My plan is to get a consolidation loan so I can get just one payment and at the same time improve the credit report. Will a $12,000 loan under my name hurt my credit (I'd be getting a cosigner)?

3) There is one pesky entry on my credit report that I cannot find any record of. Asset Acceptance LLC had sent me a few letters for a debt but it never belonged to me... I sent 2 certified DV letters and never got a response although I got return receipts for both DV letters. This debt is for $18,000 (reported to all 3 bureaus, last update was 08/2007) and this is really hurting me now. I filed a complaint with the FTC on their website already. What next? Should I sue them?
----------------------------
1 if the debts are yours they can sue. If they do not verify the debt you may have a way out legally. negotiate would be the next step

2 it is always best to negotiate with the original creditor. You might find the debt was charged off on the companies books and then possibly sold for .40 cents on the dollar. They would not tell you that. But if they say it is out of thier hands and has been sold to collections then, you can guess that the collection agency only has about .40 cents on a dollar or les in the note. So you might negotiate with them for a lesser amount.

3 if is not yours and you filed a complaint and that does not stop collections then, I would seek out a credit lawyer. I do not know where to send you to look for one.
------------------------------
This has been quite helpful, thank you! Please share this on your amazing blog!
------------------------
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Credit Cards for bad credit or no credit.
Debt Consultation for battling large debt loads, divorce or job loss.

I have 4 Bad charges on my credit report. Most are from a divorce.

I have read several of your blogs and very pleased with all the information I have gotten.
But I am still uncertain and unclear on how to manage my credit from the start.
I have 4 Bad charges on my credit report. Most are from a divorce and are still coming after me. I am however going to pay them in full but would like to consult with you and see if I am doing this correctly.
One is from a collection agency that has nothing else on my report from them. I am ready to send a validation letter to them is this the first correct step. This one is old since about 2003.
And do I send validation letters before I negotiate with the companies to pay them have them removed from my account?
I will be paying them all in full but I am trying to make sure I am taking the right steps to help myself out.
-----------------------
yes you are right on target
i guess i should say
you might dispute them with bureaus first for the fun of itthe validate and make them provide you personal info. do not prived it for them.state name and account number maybethen negotiate to have the account removed if you pay in fullthey can do it but may not

Credit repair identity theft and inquiries

I have been working for 2 years to repair my credit after some identity theft, and after a long illness. My scores are 681, 688, 640. They all mention the fact that their are many inquires. I actually have not requested my credit to be pulled in 2 years. However, I have about 15 inquires. In Jan.07, I placed something with agencies, to block 'soft' pulls. I wrote letter to everyone of these inquires. @ have been returned unable to validate address. I have also spoke with the companies I had phone numbers for. I seem to get the run around with many of them. I feel that any inquiry that I did not request should be taken off. Equfax tried to tell me, I had no choice, if the co. would not contact them. That they will be there for 2 years. I want to buy a house now. If these inquires were off, I'm sure my scores would hit 700. There are also many address's listed, that I never lived at. I disputed it, but it remains. I have had major credits cards for about 27 months, I have always been on time. One credit card ( Citi Bank,) shows nothing, no activity. I have used the card responsively for 27 months. I called citi bank 3 times, over the last 4 months, and it still is not showing my activity.
---------------------------
first off
unless you sign off on a credit request. there will be no inquiry on your report
soft inquiries are not inquiries at all. they are people in the upper tier group that the bureaus sell to markting agencies. so there is no such animal as a soft inquiry showing up on ones report i would send a letter to the bureaus stating they have made many a grievious error reporting incorret address and not only do you dispute the incorrect addresses and inquiries but you plan to file a complaint the the attorney general of thier state and suit in the court of the county in which the operate. They must not only remove he errors but provide names addresses and phone numbers for each and every error or face punitive actions.
the letter would be enclosed with a copy of the report with circles around each error. this should ellicit a response.
i would tell you to use the fraud alert letter but that would be releasing the bureaus from the course of action above by saying it is not thier fault. Each and every acccount, address, inquirie has to be filed with some compnay that the bureau has detailed information on, with a statement explaining how and why the bureau should allow them to report. NOT only that but since about 2004 each of these companies have to report a minimum of 500 account each mont to quailfy.
So the bureaus DO know who put each and every detail on your report.
http://www.oskie.com/free-credit-help-sample-form-letter-letters.htm this page has about every kind of letter possible for credit help. I have assembled my most useful letter, the first being th dispute form with bureaus addresses.
near the bottom of the page are 2 other sources of letters that might be of some use to you.plus there is a link to the FTC complaint page.

i would hit them in the mouth, gut and shins. now as far as inquiris and the amount they affect your score
if they are more than 1 year old. NONE. less than one year maybe 10 points for the totality of the inquiries you told me of.the addresses hurt none. BUT are inflamitory if you try to buy something and the potential creditor wises to know why you have been here there and even everwhere. maybe even gitmo bay. heck i dont know. almost every credit report comes with a disclaimer saying stuff like to many revolving accounts. too much owed, too many inqiries. this is just a set of pat bull... s
tatments that really mean just that. the only real way to tell if to read the report. this is one of those from my 721 score

FICO SCORE *721* TOO MANY BANK OR NATIONAL REVOLVING ACCOUNTS / proportion LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH PROPORTION OF BALANCES TO CREDIT LIMITS, TOO HIGH ON BANK/OTHER REVOLVING ACCTS LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
and thats on a 721. means squat.

if you pay the account off each month it may show nothing more than the months the account has been open what do you mean by activity? and make sure any other cards or accounts show less than 79 balance to credit limit

Recently paid in full five accounts in collections. Will my FICO score increase?

I recently paid in full five accounts that were in collections. I’ve received letters from those companies that were collecting and I would like to fax these letters stating the accounts are closed and paid in full to the three credit bureaus. Can I do this? If so, how long after I fax these letters will my FICO score increase?
-------------------------------
you need to mail themfax number change like the taffic flows in LA
TransUnion P.O. Box 1000 Chester, PA 19022 1-800-888-4213
Equifax P.O. Box 740241 Atlanta, GA 30374-0241 1-800-997-2493
Experian P.O. Box 2104 Allen, TX 75013-2104 1-888-397-3742
use certified delivery mail your score should change in less than 30 days
IF
the papers show paid in full AND as agreed
IF
they just show paidyour score might even drop for up to one year overall though you have done the right thing and over time you will be rewarded
----------------------
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Credit Cards for bad credit or no credit.
Debt Consultation for battling large debt loads, divorce or job loss.

Settlement advice needed on old credit card collections

I am getting conflicting advice from several debt counseling companies and websites, and so I am writing to you. I read all the archived posts on your website and admire your common-sensical and practical approach to debt reduction / credit enhancement.
I have accumulated about $32,000 in charged off credit card debt. Recently, I paid off 2 cards in full (original creditors) and still have $26,000 debt left.
The rest of the cards are with collection agencies and they are offering settlements. My confusion is whether I should opt for the settlement or pay the debt in full. If I pay in full, it will be reported as 'paid in full' on the credit report but the 'charge off' notation will still remain. If I settle, it will be reported as "Settled", but the 'charge off' notation will still remain.
My other problem is that if I opt for a settlement, they want me to settle in 3 monthly payments, which I cannot afford.
My question is, should I settle and save some money or pay in full and get a better score on my credit report - which will hopefully help me when I buy a car or a home.
-------------------------
there is really no difference on your credit report between settled and paid in full if the charge off notation still shows
which it probably will.
most collection companies pay .30 to .40 on a dollar for the right to try and collect anyways
unless they are in house collection companies and the collection is less than 1 year old. if i could setle I would. the reason they offer 3 payments is because once they offer a settlement or payment plan an you take them up on it. They cannot take you to court over what might remain if you fail to pay in full.

I have been working for 2 years to repair my credit after some identity theft, and after a long illness. My scores are 681, 688, 640. They all mention the fact that their are many inquires. I actually have not requested my credit to be pulled in 2 years. However, I have about 15 inquires. In Jan.07, I placed something with agencies, to block 'soft' pulls. I wrote letter to everyone of these inquires. @ have been returned unable to validate address. I have also spoke with the companies I had phone numbers for. I seem to get the run around with many of them. I feel that any inquiry that I did not request should be taken off. Equfax tried to tell me, I had no choice, if the co. would not contact them. That they will be there for 2 years. I want to buy a house now. If these inquires were off, I'm sure my scores would hit 700. There are also many address's listed, that I never lived at. I disputed it, but it remains. I have had major credits cards for about 27 months, I have always been on time. One credit card ( Citi Bank,) shows nothing, no activity. I have used the card responsively for 27 months. I called citi bank 3 times, over the last 4 months, and it still is not showing my activity.
-------------------------------------
first offu
nless you sign off on a credit request. there will be no inquiry on your report
soft inquiries are not inquiries at all. they are people in the upper tier group that the bureaus sell to markting agencies. so there is no such animal as a soft inquiry showing up on ones report i would send a letter to the bureaus stating they have made many a grievious error reporting incorret address and not only do you dispute the incorrect addresses and inquiries but you plan to file a complaint the the attorney general of thier state and suit in the court of the county in which the operate. They must not only remove he errors but provide names addresses and phone numbers for each and every error or face punitive actions. the letter would be enclosed with a copy of the report with circles around each error. this should ellicit a response.
i would tell you to use the fraud alert letter but that would be releasing the bureaus from the course of action above by saying it is not thier fault. Each and every acccount, address, inquirie has to be filed with some compnay that the bureau has detailed information on, with a statement explaining how and why the bureau should allow them to report. NOT only that but since about 2004 each of these companies have to report a minimum of 500 accounts each month to quailfy.
So the bureaus DO know who put each and every detail on your report. http://www.oskie.com/free-credit-help-sample-form-letter-letters.htm
thhis page has about every kind of letter possible for credit help. I have assembled my most useful letter, the first being th dispute form with bureaus addresses.near the bottom of the page are 2 other sources of letters that might be of some use to you.
plus there is a link to the FTC complaint page.
---------------------------------
i would hit them in the mouth, gut and shins.
now as far as inquiris and the amount they affect your scoreif they are more than 1 year old. NONE. less than one year maybe 10 points for the totality of the inquiries you told me of.
the addresses hurt none. BUT are inflamitory if you try to buy something and the potential creditor wises to know why you have been here there and even everwhere. maybe even gitmo bay. heck i dont know.
almost every credit report comes with a disclaimer saying stuff like to many revolving accounts. too much owed, too many inqiries. this is just a set of pat bull... statments that really mean just that.
the only real way to tell if to read the report.
this is one of those from my 721 score
FICO SCORE *721* TOO MANY BANK OR NATIONAL REVOLVING ACCOUNTS / proportion LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH PROPORTION OF BALANCES TO CREDIT LIMITS, TOO HIGH ON BANK/OTHER REVOLVING ACCTS LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED and thats on a 721. means squat.

if you pay the account off each month it may show nothing more than the months the account has been open what do you mean by activity? and make sure any other cards or accounts show less than 79 balance to credit limit