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.
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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
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Adding alternative tradeline to credit report

Good afternoon, Bo. How do I get alternative tradelines such as a water bill to report on my credit report? Do I need to contact the water company and ask them to do it? How much does it cost them to report it regularly?
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utilities are not considered credit
phone, water, electric, insurance. They do not report unless you do not pay.
sometimes one can get rent reported with a direct credit reference
http://www.oskie.com/free-letter/direct-credit-reference-sample-form-letter.htm
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Wouldnt the rent have to be from a "management company"?
If an "individual" or "management company" reports it do they have to pay the bureaus to report it regularly like any other tradeline?
What about "rent to own" companies?
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rent is direct credit reference only
most bureaus do not count rent into fico scores
so no
rent to own means"nothing" on a credit score

My credit score is a 452. How do I raise it?

I have credit score of 452 and I am determined to raise it. I am a little overwhelmed, but my question to you is where should I begin first. Should I start with the most recent bad creditors and work my way toward the older ones. I have some that should be removed this year. Should I let them go? I already went to all three credit reporting places on line and started disputes with those who had wrong info. OK. Thanks for your help.
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i would try hard as hadees to work on anything bad from today back two years dispute anything on your credit report older than that and pray. get new reported and rated credit do what i did to fix my credit report with and how i negotiated a bp oil charge card charge off, if you have anything like thatjust charge your gas for a year to stay out o more trouble. and hope nothing else bad happens to you in he meantime.
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I am getting ready to make my calls. I am going to tell them I would like to settle my account and would they please totally remove it from my credit report or to report as paid in full as agreed. If they agree, I will ask for something in writing say they agree to that? Should I ask them to settle for a lesser amount? Or is that pushing my luck? I also have a car loan and two credit cards that I keep current on, so that should take care of my 3 open credit accounts in good standing. Had them for a little over a year.
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I called my first creditor. (Comcast). I asked if they would send me something in writing and he said that is a LEGAL issue and they don't do that. He said it was illegal for them to remove it. Best he could do would be marked paid in full after I pay it, so I said I would. Is the LEGAL part of his answer true??
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in truth yes
but they could change it and say it was their mistake, if they were asked, which they never would be asked. So legally they can change. most utilities do not negotiate. pay in full or don't. they reall do not care, because next time you go to get cable and they check your credit you are stuck unless you pay. the best ones to help you are collections and charged off credit cards which you reopen with full payment and a extra downpayment to show trust. in the end if you pay the bill you have one less unpaid bill in the past due column
AND
you have reduced your balance to high credit limit ratio. your credit may take a instant hit but it will quickly recover with new good credit that is at least 12 months on the bureaus books

went to Verizon when our Cingular contract was up

In December of 2007 our 2 year contract ran out with Cingular. We decided to go to Verizon and called Cingular to make sure our contract was up, etc.

We switched to Verizon on 12/23 - our contract was up with Cingular on 12/17. We had opted out of monthly paper bills and always received notification our Cingular bill via email and would then log in to pay it. To make a long story very short - we were not able to log on to pay the bill since we no longer had cingular service. We called customer service and they told us that our bill was $260. Our bill should have been only a 1/2 month bill - possibly about $150. They refused to send us detail of our bill - and yes I do mean refused. Finally after fighting for a 1/2 hour they send they would send up something in the mail for $5. In 2 weeks we received a one page statement of the amount we owed with no detail.

There is no way we owe that much for a 1/2 of month of service. Even if we did I would have no problem paying it if they could just show us what the charges were for.

It has now been turned over to collections
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Go to the local Cingular office and negotiate a plan to pay and get the collection removed completely, signed, on company letterhead and, pay them. Ask for credit help.
If Cingular will not do this after talking with a manager and some effort then, pay them anyway and be done. For some reason you saw fit to argue a half months service and let the bill get that far.
Utilities have been the most troublesome type of bad credit, "I have found" to get any help on. In the end the collection was not worth the half months service right or wrong and is not hurting your credit report score.

MCM sent me a letter via UPS stating that a bill from Verizon, 2003, is going to go to arbritration if I do not pay

MCM sent me a letter via UPS stating that a bill from Verizon, 2003, is going to go to arbitration if I do not pay. that was 3 weeks ago, I had one month to settle, or it goes to arbitration. This was in California. I mailed it back to them stating received and signed in error.

They called the house and I denied it was mine, stating that wasn't the right address or SSN. I know, I just wanted to buy time to find out if MCM was actually doing this legally.

I looked up SOL and for written contracts it's 4 years, which was 2007. Is this legal, or because Verizon has the third party arbitration, the SOL doesn't matter?

I would like to negotiate and pay it, but if it's illegal because it's outdated, I don't want to pay. Can I just negotiate with Verizon?

What can I do? Can you let me know by Friday
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negotiate with Verizon
validate the debt-
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and if they can validate the date, which MCM can, what happens then? buys me time to just negotiate and the arbitration proceedings stop once they get my validation letter?
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You say "they can validate the debt" then pay them.
Try to settle for less
I think thats what arbitration usually means. Try to pay this or negotiate before arbitration. Keep it off your credit report
You didn't say how much
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the balance is around $500. But since Statute of limitation ran out last year, and arbitration is part of the process, however it's not Verizon that served me the papers, it's MCM that did. Is that legal for them to do
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Ryan Howard beats Phillies in arbitration and will earn $10 million

The case was decided by Goldberg, Robert Bailey and Jack Clarke. The panel listened for nearly five hours as each side presented its arguments Wednesday in St. Petersburg.
Howard was represented by his agent, Casey Close. Houston Astros president Tal Smith, who represents many teams, handled the Phillies’ side.
Amaro negotiated with Close right until the hearing began, but couldn’t agree on a deal. Howard can’t become a free agent until after the 2011 season. It’s likely the Phillies will try to sign him to a long-term contract much sooner.
“We negotiated right up to the courthouse steps with Ryan in a variety of ways and unfortunately we couldn’t get it done,” Amaro said.
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borrow some money to pay it early with MCM
call verizon and talk to someone at about this bill and company.
a collection hurts double in that not only are you past due but you have a 100% balance to high credit ratio on that account. It will really help your score to get it paid.
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Moved and didn't get utility bill. Paid collection will not remove account

Jn. 2007 - I moved from Sacramento to Costa Mesa on a temporary basis until I could find a place in Los Angeles. I had my mail forwarded fromSac to Costa mesa. I own a house in Sacramento and rented it out, and I still own it.
Feb. 2007 - Moved to a new place in Los Angeles. I completed another forwarding mail with the post office. This is where the problem occurred. I didn't get all my forwarded mail from this address. Apparently I had a utility bill that went unpaid for $172, which I was unaware. They had sent me a bill on three different occasions in Jan, March, and Aug, 2007.
My mail never was forwarded! I thought I paid the balance owned before I moved. It wasn't until I was looking into refinancing my house when myExperian credit score dropped from 756 in July, 2007 to 620 in August! I was told I had an unpaid account. I called PG&E right away. But I made the huge mistake of paying the bill at that moment instead of negotiating to have it removed from my report.
In the mean time, I was given the advise to report it to the creditbureaus as "not mine." And if they don't respond in 30 days, it will automatically be removed. This didn't work, as they verified it to bemine. Today I called PG&E and spoke to a representative (I was very nice and professional). I explained to her that I was never made aware of the collection...that I would have never jeopardized my great credit as a deadbeat customer and not paid a $172 bill. I have always paid my bills on time. I said by law they have to ensure that they contact me, that I never received any letters nor a phone call. She actually put me on hold (probably to talk to someone) and came back to basically tell methis "unfortunately was can't remove it because it has to be an erroron our part.
" I asked why I didn't get a phone call. She said they don't make phone calls. This just doesn't seem right that they just send out automated letters then report you to the credit bureaus. I'm sure those letters were returned to them, so they can at least call to inform me as a good faith gesture.So, I left a message with the supervisor on his voice mail in hopes that he will help me remove it.
Here are my questions:
1) I don't believe her when she said, the credit bureaus wont let herremove it unless it is their error. Can they have it removed?
2) How do I get this removed? This is not by my neglect and I workedvery hard to get my score over 750.
3) If they don't remove it, what is my next step? What would you do?
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1) most utilities will not negotiate. Actually they are telling the truth. Is is against the law to lie about credit both ways. They see you didn;t pay and it was not their fault so thats thats. Utilities do this as a means of pretecting their interest in further matters with past bad debtors which they have thousands i am sure.
2) You probably cannot have this removed and you should forget about it if possible and go on. In 2 years it will be a zero balance collection and your good current credit will swallow this bad apple and your score will go back up
3) shoot for 2 years behind thee satan.

in the end you paid your bill and did the right and honest thing. More than likely they would not have taken the bad mark off even if you had called before you paid. That's just the way they do business. I know it happened to me with Nashville Electric Service. They wouldn't even talk to me yea or ney and didn;t really care if i even paid them which i did. behind the satan.
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Utitlities nd bills not reported unless unpaid. collections

On your website you stated that non lines of credit such as insurance and phone bill collection accounts show as a negative only. How do they differ from a revolving account collection or installment account collection? Do they all have the same effect on your score or since credit wasn't extended it's not as bad on your score as a revolving or installment collection account? Also I heard that it doesn't matter the amount of the collection $10 or $10,000 it still has the same impact but relating to your debt to income ratio the amount would certainly matter right?
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revolvong credit is usually reported to at least one bureau every month positive or negative.

phone, electric, insurance, hospital bills, water are utilities and utilities are not lines of credit so they only show up on your report if you don't pay and let the account go past 90 days with and outstanding balance. then the utility will show up as a collection or and uncollectable bill.

any type of collection ,means an account has gone past 90 days late and affects your score negatively.

the last statement is true because a 10,000 collection would reflect you have a 10,000 payment due for that month.

sometimes hospital bills are looked at more leniatly than other collection because they can be accidental debts or mistakes with insurance and many times can be settled for less.

a utility is something that was charged out and used by the consumer who did not pay and shold have.

Verizon wireless and debt validation. Should I call them? Negotiate?

I sent a dept Validation letter to verizon, today I received some letter that said to call them, they sent me nothing to validate this dept ( we beleive this acct was merged with our sons JR, SR ) I will not call them do I send the second dept valid. letter demanding they verify, and qoute all the laws ? (certified of course) the CRA said this was verified. please addvise me on my next step, this is the last baddy on the report it just keeps coming up its org date is 1999, I have read verizon is the worst one to get off and if it is mine I will over a pay to delete, if it comes to that thanks for all your help. I realize its probly not really affecting our score but if you go FHA for a home loan then every thing on your credit reports have to show paid.
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I would call verizon wireless for sure. Yes call them.
Also use the second letter for debt validation to make sure your rights are protected.
cell phone home phone verizon, bellsout all have to validate debt in writing or cease efforts.

paid phone collection and a paid charge off for insurance.

I have a paid phone collection for $268 and a paid car insurance collection/chargeoff for $58 listed on my report. These went to collections back in 05 but were just paid recently. One is listed to fall off my report in 2011 and the other in 2012. However on each one I have a discrepancy. The insurance list my account as still being open account and the utility one does not list the date it went into collection. If I dispute these to the credit bureaus do you think since they are paid and neither creditor (well neither is a line of credit) have anything to gain by answering the bureaus dispute will respond thus requiring the bureau to delete? And if no deletion occurs how harmful would non-lines of paid credit collections be on your report it they remain?
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that is a perfect train of thought
do it just like that

they will not hurt any at all once they become 2 years old and you have new good credit going that is reported to bureaus

these are both utility collections and are the least likely to negotiate off
so one disputes them and hopes. thats all you can do.

Sons verizon wireless charge off on my credit. Disputed this collection.

I have a problem, I have done almost everything I am suppose to
Pulled credit reports
Disputed for months, sent certified everything, kept copies kept detailed records, now I feel I need to send letters of dept validation to Verizon (1999) I have already disputed this with the 3 credit ber. of course they came back valid, these are my sons acct (they merdge the two accts SR and JR, when I ? this they just put a fraud alert, my ? is do I send Dept validation letters to the collection agency, or to the credit beru. or both ? thanks in advance. this is like a part time job
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send validation letters to creditors (verizon)
they have to confirm the information is correct and legal
Some how they must have you ss #
your son might have given it to them? I do not know
validation should clear it up
if they just verify who you are and your address
send the follow up.
all certified mail

Two judgments on my credit report. One hospital bill and one telephone bill.

I have two judgements on my credit report. One a hospital bill and one a telephone bill. How can I have these removed or at least turned into collections? Also I am trying to raise my score ASAP. I want to purchase a home in the next 6 months but my score is in the mid 500's any advice on that.
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Thats what those bills do when i move and let them get by. Bad things happen fast. 30 days. Judgments are terrible since they usually executed in court after 365 days. LOOKS BAD.
Judgements will remain on my credit report for 7 years but will not hurt me much, if satisfied 2 years before today, and I have new 12 months no lates reported to a credit credit bureau like Equifax, Transunion and Experian.
I open the telephone back up / ask for credit help
I pay the hospital bill / ask for help before I pay
I talk and beg before I pay
I validate and dispute anything I can not confirm personally.
I keep good current open credit
Re Flect on this webpage.

10 year old accounts schould be deleted credit report pager bill can't quailify for a home loan

My question is I have an account for a local company that was opened in 4/1997 but it also say's that it was opened on 8/2001 (not true). It also states on my credit report that is is a unsecured loan, how do I get this off my credit report, It was for a pager bill of 10.53. I thought that after 10 years it comes off of my credit report. It is affecting my qualifying for a home loan.
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Try this and say it not yours 10yrs.
Then validate the debts.
Then negotiate and pay.
10 years and the accounts should be off your credit anyway.
Pager contracts are not secured debt.
Utilities are expected to be paid by reasonable people even if they move.

Verizon account now turned over to collection agency.

I have an account that Verizon Wireless has been trying to collect on for 6 months now. They overcharged me one month for overages I know I didn't use so I closed the account and after they started their collection process I disputed the account with the BBB, FCC, and the State Attorney General. All the responses were that Verizon has made their final decision and are willing to do arbitration, which I'm assuming will take sides with Verizon after I've payed for arbitration. I'm willing to pay the full amount they are asking now due to the fact it literally ruined my credit, but only if I can get them to agree on deletion of account since I still believe they're overcharging me. Do you think if I sent them a check for the full amount to Verizon instead of the collection agency; stating that upon cashing the check they agree to delete the account in question would work? If you have any advice on this matter please contact me.
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I doubt it.
Verizion holds the cards on this. It never pays to not pay a utility or close an account with outstanding balances and not pay until they come after you. One needs to negotiate BEFORE they crack your credit up not after. Verizon has documented charges. You on the other hand probably have nothing documenting your postion. Happens all the time.
I would try to re open the account with verizon and ask for help. Get something in writing. They probably will not help you as far as credit goes.

It will look good if you pay it off though.
You will go from owing 100% to 0% and that helps credit scores.


If they re open an the account you have th best chance.

Charge off utility and collection. Remove

I subletted a coop about seven years ago. The reason I relinquished it was the landlord wanted to sell it, so I moved out, and (mistake) left the power on for her until she transferred it to her name. Bottom line: she waited a month, ran up another $51 in electricity charges, and I never got the $51 bill. Years later I was contacted by a collection agency. I paid it with the explanation above, and have run into brick walls trying to get this "derogatory mark" removed. Any suggestions I'd welcome. Thank you.
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Nope
Same thing happend to me with Nashville Power in 1992 and that is what started this whole credit help webpage thing.
One can sometimes get credit cards, hopsital bills, collections to negotiate.
Utilities almost NEV ER.
Get new credit and go on

Trying to get 2 collections off my credit report. Old utilities.

I am trying to get 2 collection accounts off of my husbands credit report. They are both from old utility companies. These debts are 2 1/2 years old and under $300 total, but we are trying to get a mortgage and were told getting those removed would help. His score is around a 560 currently. We have wrote the letters offering to pay in full in exchange for deletion. We received letters back stating that they can not do that because it is against their policies. Where do we go from here? We have also tried the original creditor for 1 account (NYSEG)
We had success with 1 other collection agency using the same letters.
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I have found utilities to be alomost impossible to get things off
Sounds like you hit the end of the raid there
Get new good credit for 1-2 years and your score will improve.

Collection on unpaid utitlity bill now paid and my score dropped.

I viewed my credit report after a 2 year gap and was shocked to find a collection against an unpaid utility bill. Without the knowledge of negotiations I chased the collection company down and paid of the debt, only to find that my credit score dropped from 705 to 660, by all 3 agencies.
Is there any way I can get this negative info removed from my account after the fact that I paid the bill ?
The collection agency NCO financial wont answer my calls to discuss.
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660 is still a good score and it will increase quickly with new open and current lines of credit. Sometimes a credit score will take a short term hit if a collection gets a new "last activity date" put on the account when a person pays.
It still looks better than having a outstanding non paid collection.
If they will not answer calls then dispute the account
Use the dispute form and say reported incorrectly.
www.oskie.com/credot-dispute.htm
wish

Utility Bill Charge Off

I recently discovered that my major utility co. has reported me to the 3 credit agencies as a “charge off” for app. $300.00 I owed. This has been a bill that I’ve owed for quite some time, and I’ve paid on it off and on, depending on my work situation. The last 4 months in a row, I have not missed making a $20.00 pmt to them, and yet I see that I was reported as a charge off. Now, can this still be done, when I’m making effort to pay, on a schedule, etc. Thanks for your reply. Live Human Being
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"majors@oskie.com" / to Live Human / show details / May 20
Once a charge off always a charge off
But you might be able to dispute the item as making payments and hope that helps.
use the dispute form on my website