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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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.
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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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Get legal credit repair Credit lawyers help dispute and get better credit.
Credit Cards for bad credit or no credit.
Debt Consultation for battling large debt loads, divorce or job loss.

Credit help with debt paid letter

Once I have received a letter from the creditor stating the dept was paid and requesting removal, what do I do with it? The creditor was not a collection agency.
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copy it
then certify mailto the 3 bureaus
use this dispute form and instructions and addresses
then check you credit report for a credit score increase

Credit help questions for late payments, charge offs and court

I payed off a lot of deb with income taxes on my credit report it shows payed but is there anyway to get them off? I was reading Ur site and u was talking about get written letters saying the would take it off Ur credit if u agree to pay
which in my case is a cell phone bill
should i pay the attorney that sent me a letter or the cell phone company? My husband has a direct tv bill from when he was 18 and he is now 27 but it shows up when we try and get something but i don't see it on our credit report and directv doesn't help when i try and call them b/c the said they need a address he doesn't remember it one more question we both have 3 open accounts but one of his is through citi financial really high interest rates should we pay them off please help with any question need to get score up
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number one credit help mistake
paying off past bad debt BEFORE you talk to them and ask for help, removal, or to reopen.
i would try to re open anything that i paid off and after 12-24 months ask them to only report the past 24 months. ATTORNEY. OOOOPPPPS your in trouble there.
I would call the cell company first
attorney second and BEG. Dispute the direct TV bill with the credit dispute form. say not yours you never lived at that address.
you should pay the citi card down to less than 79% of your high credit limit. Keep it open and pay good for 1 -2 years.

Old Paid Collection Items-Help!!

Scenario; paid collections (5 total) back in 2006- have documentation-cancelled checks, letters from collections agency per agreement to pay.
Fast forward: New collections agency showed up on my credit report reporting same 5 debts as unpaid. forwarded proof to all three credit bureaus- report updated to show as paid collections to current collection agency, but I did not pay them... and that I did pay ...it was more than 2 yrs ago and to a different company. Next issue: when I was laid off in 2001,,I promptly applied for the credit protection insurance that I paid for each month prior to becoming employed- a few of the accounts were charged off, however insurance was paid on these few accounts. Have documentation from insurance company detailing each payment and date paid. Problem: Accounts sold to collections agency who is reporting the account as unpaid. How do I find out the charge off date and the balance owed at the time of charge off- I would like to compare amount owed at the time of charge off with the amount that was paid by the insurance company so that I can at least reduce the amount owed or show that it was paid in full prior to being transferred to the many collection agencies over the past seven years ( BTW- the most recent collection agency list the date of last activity as 2003- ( I have a credit report form 7 years ago which is contrary to what they are reporting . any advice would be appreciated.
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i would legally vaildate the debts with the new collectors trying to double your payout.
send them the copies of your payments and let them know you expect total removal or court action i have found protection insurance to be just like what you said
slow but after proding they do pay, usually after you credit crashes. I think i might be highly upset with them
i would file a compliant with the bbb and maybe call the state attorney general about this credit card proctection...HA collectors are not allowed to change dates.
this is a violation of the fair credit reporting act i would validate those debts and debate court action go to yahoo groups
credit repair
ask for smurf handy... tell her bo sent you as you want to sue some @ss
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Thanks for your timely response and I will follow up with smurf handy ASAP!
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by the way
i do not like smuf handy BUT she has some very real talent

Duplicate credit reporting

paid off a Wells Fargo credit card in full back in November 2006. It had been referred to Hilco receivables credit agency so I paid them. Hilco reported on my credit as paid in full, but recently (June 08) I noticed that it was reported again by Hilco receivables, but this time it said that the delinquency date of reporting was in February 2007. I don't understand what this is. If I paid it in full in November 2006 why are they reporting a delinquency date of 2/07? So now I have Wells Fargo (original debt) and 2 Hilco reports on my credit. I should have only 1 from Hilco stating that it was paid in full on 11/07 right? I have another bank credit card with 0 balance of a $1,500 limit, a new BMW and a good job that I have been on for 2 years with a major company, yet my score is now 610. lower than it was at the beginning of this year. I want to buy a house that I am looking at but I am concerned about my credit score. I want to call Hilco but will the call be considered an activity where I will be given 7 more years from the activity date?
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Dispute that account with the bureaus.
Say not mine or a illagal duplicate of a past paid account
then
validate the acount in writing by creditfied delivery mail to Hilco. Explain you plan to follow all your rights by law under the FCRA and have disputed this account with the bureaus for the suit which will follow this plainly illegal activity. If this is not resolved within 30 - 35 days file compliant with state attorney general, then go to court with the documented finding from these two letters.

old collections on my credit report is paid and closed

Q: I have an old collections on my credit report that has been in the paid/closed status for two years (I wish I had seen your site two years ago). I have heard that you can dispute these old collections as many collections agencies do not respond if the account has been paid and old. Is it bad to try and dispute a paid collections, or is it best to leave it as is? Is there any risk in doing this?
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no risk what so ever
give it a wirl
Universal credit dispute form

Parking tickets on credit report. I paid the collection.

Is there any way to get parking tickets off your credit report?
I was told by the collection company if I paid they would take them off.
they didnt and said that is not there policy?
what can a guy do?
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now? probably nothing
that has to be worked out before you pay
should have gotten something in writing on compnay letterhead
paid in full and as agreed

get and keep new good credit
2 years from now it wont hurt your score at all.

defaulted on 9 student loans and am now in garnishment

I have a question. In the past I was very careless with my credit and now am reaping the "rewards". How do I fix these problems. My score is 613 and shows I have 18 negatives on my acct. I had defaulted on 9 student loans and am now in garnishment. The loans have been sent to Texas Guareented and I am in the process of rehabing my credit. Each loan shows up as well as the previous creditor that originally owned them as "paid collections" or "transfered to another lender". I also have charge offs from credit cards. And I have 1 collection agency on my report. I do have an instalment that is up to date as well as two credit cards that are perfect. Should I negotiate with the two credit card co. to pay and remove the item and what about the original student loan creditors. Any help will be appreciated.
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i would first try to get lucky and dispute some of he old student loans and, hope maybe a few fall off.

I would validate the collection with debt validation and they do not comply call the state attorney general
see what i did with my charged off BP oil on my credit card
- Show quoted text -
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appreciate your help. I am disputing some of the closed accts. due to length of time (over 8 years) and are validating 3 others due to I don't know who they are. I hope it all works and thankyou again for taking the time to return my letter.
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disputed some collections, asked asked Discover if they would re-open my charge off

My average score is 627, my highest is 650 with Equifax. I have a few things in the works right now and I was wondering if you could tell me maybe how much my credit score will jump if these things get through. My girlfriend and I are thinking of buying a house. Her credit is 800+ but I make more money. Do you think we'll have trouble?1. I have disputed some collections on my report and sent letters to the bureaus. I have not heard anything back yet. It's only been a few days though. Most of them are paid (there's like 4 total) and I know they probably won't come off. 2. I have sent a letter to Citibank (student loans) to ask they remove late payments as I have paid on time for the last 24 months. The late payments were from 2005 - I have turned around and paid over the maximum every month for 24 months. 3. I had/have a charge-off with discover. I called and asked if they would either re-open my account if I sent them money, or remove the item from my report if I paid. They said all they could do was report "paid in full / settled" on my report. I said that was fine. I finished paying that off yesterday. They have sent a letter to the CRAs to update the status. How much can I expect my score to jump? Only #3 is the "for sure" thing, the others might not happen.
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you could go up to 700+

if
nothing shows negative for the past 24 months with citi bank
and
you have 3 lines of new good credit paid down to less than 80% balance owed to high credit limit.

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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Paid collection still on my credit report. How to remove

I was looking for someone to help me and give me advice and I found your site. I realized that I screwed up when I paid in full the debt I owed to LTD, a collections agency. I paid through an electronic check and asked the person helping me, "So I'm all done right? There is nothing or bad on my credit report?" And the guy said "NO, You're all fine." Later on I tried to raise my credit limit and my bank says that I have something bad on my credit report and its going to be on there for SEVEN years!!! I have been trying to call the collections agency but I just keep getting transferred to like a million people and I have called so many times. I really need help because I'm only 19 and I don't want to have something bad like this on my credit report. I need a new car to go to school and there is no way that I could get one now that I have that on my credit report!
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nothing you can do here
but
1) dispute the account and hope
2) wait two years for the accont to not hurt your score as bad
3) keep at least open lines of credit for at least 12 months to over ride the past bad credit

remember you paid the bill ad in the end that is always best. It over and its done. It will only hurt for 2 years. 5 of those years the account is irrelevant if it is paid and you have new good credit.
AND
there is no gaurantee that even if you negotiated before you paid that they would agree to remove the account completely.
So do not beat yourself up. go on and remember

Insurance collection on my credit report. I have no idea what it is for

I have an account on my credit report that I have no idea what it is for. There is no money amount. Under comments it says paid was a collection account insurance claim or government claim or was terminated default. Could you explain this to me if you can. I am so confused
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my advice would be to
dispute that item as not yours and find out.

Medical collection on an insurance dispute. Remove clean delete

I have a medical collection due to an insurance dispute and would like some coaching to get it removed from my report. I am getting divorced and not receiving all the mail. My husband's insurance changed processing agents and was requesting documentation of additional coverage (which I didn't have) before they paid my claim. I was unaware of their request due to my husband's lack of notification. When I discovered the charge was on my report I called the doctor's office and paid the bill in full. Now I find out that I over paid because they were a PPO for our plan. The insurance company is paying the doctor directly and now I have to fight them to receive the overage plus they won't help me to remove it form my credit report. I haven't contacted the collection company yet and would like to know which is the best direction to go to have this issue resolved.
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the ppo would be liable for the late payments
thats why to doctor bill doesnt want to help
all they see is you were late and thats all
maybe the ppo could help

but if you already paid there is no incentive to get the doctor to help now that they have the money in hand

so i would haggle with the ppo and see wht relief you can get
and of course the my husband thing will always be trouble
until
you are totally removed from all loans, insurance and anything credit

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.

Collections, college loan, credit card, score 590 591 592

Bo, my questions are related to small amounts of charged-off debt, so it's hard to find answers - everyone answers questions about $20,000 debts and bankruptcies and reposessions, but I need advice on my small situation.

In 2005 I finally pulled my life together, but I had about $3000 of bad debt from the previous 3 years: 1 $800 credit card, 1 $1000 credit card, and 2 $500 credit cards. Some of these were transferred to other collections agencies and some were not; the $1000 credit card was closed and the rest were charged off. Last month I finally paid off the last one. I had been monitoring my credit and I understood that I could have just waited 7 years and hoped that they wouldn't chase me down, but I wanted to pay it all off and have done with it. Was this the right decision? My credit score has only gone up a couple of points over the course of paying all these old debts. Does my score go up for having paid them off, or do I have to just wait a couple of years and keep paying my current loans/credit cards on time? All the bad information on my credit report is correct, so I can't dispute any of it.

Also, I have an institutional loan from my college that has been transferred to a collections agency. This is the only bad debt left unpaid or unsettled on my credit report. They keep writing me polite letters and asking me for $1000/month payments. My budget isn't even ready for a $200/month payment! Can I let this debt sit indefinitely until I can afford to pay it off more rapidly, or is there some benefit to negotiate and start a small monthly payment now? Since the debt has gone to collections, I'm not sure if they have to report monthly payments like a regular loan, so I didn't think it would help my score to start paying.

I have one credit card, a federal student loan, and a car loan on my report that are all current (yes, more bad debt than good on my report, but all but one is PAID now). My credit score is hovering in the 590's. I plan to get another credit card as soon as I hit 600, so no need to advise me to do that.

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it is never a bad decision to pay off colletions bills or anything that is past due on your report

already paid the collections so there is nothing that can be done now
you could have negotiated before you paid.

dont be late more than 30 days on any open credit for two years

do something with the college or collection

contact the college before you contact the collection if you can
start paying someone
or take a chance with
a bad credit score for a long time

that is a personal or ability to pay question that you have to decide.

in the end the credit report has to show no late or past due payments to get a score up over 630

Paid Collection. Remove from my credit report.

Was married in 2001 and had a account with a utility company with both me and my wife's name on it. Separated in August of 2001 and moved out of the house. Divorce went final in July of 2003. Ex-wife moved out of the house we had in April of 2005 and left behind this utility bill unpaid. I learned about this account in October of this year and paid it off after it had been in collections. Now I am trying to get it removed from my credit report. I have disputed it with all 3 credit agencies and asked both original company to remove it (they accepted payment and it is paid), plus asked the collection agency to remove their report of this account. All parties refuse to remove this account and as you know it is a major hit on my credit rating at this time. Any suggestions on how to get it removed? Any help is greatly appreciated.
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you have done everything you can dp.
get and keep new good credit to overcome the past old bad credit

Get a collection removed from my credit report.

I was wondering how I can get a collection removed from my credit report? I looked up my report (Experian), and it said I had a collection for 58.00. I called the collection company as directed by experian, they said it had been paid. I told the lady it should not be on my report then, (that is what experian told me as well). How do I get them to remove this. The collection agency said they were mailing me a reciept as paid, so I could send it to Experian
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Use this free universal Credit Dispute Form.
The item will come right off.
You can use a copy of the document they send you.
Remember that it will still show up as a collection
It will say collection. Paid in full 0 balance.

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.

negotiate and pay bad credit. Get and keep new good credit

Hi Bo -I used your advice and sent Citibank another negotiation letter. I received delivery confirmation early this week. On Friday, I got an alert from Equifax stating that my Citibank balance had been adjusted. My balance of $1529 was completely taken off and is now $0, however now it says: "Settlement accepted on this account, Paid charge off" and of course, the account status is still CHARGE OFF. I am a little curious about this because I never agreed to a settlement. I only stated that I would pay the remaining $1529 if they removed the account from my report completely. This did, however, raise my credit score from a 598 to a 628. I am hoping that you might be able to guide me with this.. should I just let it be since it increased my credit score.. or should I take other action? Your advice would be greatly valued. Thank you for your time,
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Bo
you got lucky
leave it alone and keep new good credit going.
great job
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I will do that, thank you. Also, thanks for having a website that helps so many people. Best regards