I'VE BEEN KEPT FROM SELLING BECAUSE I HAVE A BALANCE DUE.I CAN'T FIND OUT WHAT THAT BALANCE IS.I WANT TO START SELLING AND BUYING AGAIN.WHERE CAN I FIND OUT WHAT I OWE SO I CAN PAY THIS BALANCE.MY YAHOO ID IS: BABESTEIN2001 PLEASE HELP ME IF YOU CAN.
102977
Here are some Q&A from yahoo\n\n>>>Where do I find my points balance? \nVisit points.yahoo.com to view your Yahoo! Points account detail. To view your Yahoo! Visa card account history, use the Bank One site at visa.yahoo.com.  \n\n>>>How do I check my points balance? \nTo check your points balance, visit Yahoo! Points and view your balance in the right column. For more detail, select the balance detail link for a list of recent transactions and expiration dates. Remember, to earn points using your Yahoo! Visa card, you must link your Yahoo! Visa card account to your Yahoo! Points account.  \n\n>>>Is there a limit to my account balance? \nWe do have a $50.00 cap on your Yahoo! Phone Out service. However, if you are worried about running out of funds, just set up the auto recharge option. The auto recharge option gives us permission to add funds by charging your credit card when your Yahoo! Phone Out account balance falls below $2.00.  \n\n>>>How do I check my Yahoo! Phone Out account balance? \nSimple. Just log in to your Yahoo! Voice account. Once logged in, you can view the account balance in your Yahoo! Phone Out account.  \n\n>>>What is the Account Summary? \nThe account summary allows you to quickly view charges and credits to your Yahoo! Phone Card, as well as account balance, for a given month.
491640
Speak to the Citizens' Advice Bureau about FREE debt advice. There are some other charities that will offer you free advice about the best/quickest way to repay what you owe but I am unaware of any organisation that will administer your debt for you or give you a consolidation loan without making some sort of charge. \n\nCAB will encourage you to look at what all your income and outgoings are and devise a strategy with you, not for you, as to how you are to pay it all back. Meanwhile, write a holding letter to your creditors telling them that you are seeking independent advice about the debt. It will only serve to stall them temporarily. \n\nWork out your priority and non priority debts. Priority debts are ones which will affect your home or your liberty and include rent/mortgage, water, gas and electric and any other loan secured against your property. Non-payment of council tax can lead to imprisonment and so is a priority debt. All other debts are non-priority. It is vital that these are paid first.\n\nDraw up an honest list of what comes in to your household and what goes out and include everything, including newspaper money and pocket money for the kids etc. Don't try to hide an amount under the heading 'Housekeeping'. Debt companies know what to expect to see under all the headings based on reasonable amounts according to your home circumstances and trying to hide amounts under ambiguous headings won't work. \n\nYou then need to write again to your creditors and include the income and expenditure form. They should then come to an agreement with you although they are not obliged to. If you go to the CAB with this information, they can help you work out payment plans for each creditor and give you a standard letter to send. It may also carry more weight with the creditors if they know CAB are involved. \n\nCreditors are not obliged to accept your suggested payment plans and will be looking for some commitment from you that you are determined to clear your debt. Can you return the cards to the company, cut up? Can you sell some of your assets? Can you take on another part-time job specifically to pay them off? Could you rent a room out in your house? \n\nThere are other options like IVAs or bankruptcy depending on how much debt you are in but these have as many cons as they do pros and are not the answer for everyone, particularly if you own a house with equity. You could speak to CAB about these options but think carefully before going down these routes. \n\nYou are right to think about alternatives to taking out more debt. There are obvious problems if you cannot keep up repayments on bigger consolidation debts especially if they are secured against your home. I don't know your own circumstances, of course, but maybe going through the debt procedures above will concentrate your mind on how you managed to get into debt in the first place, the pain of being in debt and how hard it was to get out of it which will prevent you from ever going down that road again. I know that I learned that same lesson the hard way and am steering well clear of ever going there ever again. Consolidation seems like easier options but will anyone ever learn to change their behaviour or is it just a quick fix to allow the same thing to carry on all over again? \n\nAnyway, good luck. It seems like a pit you can never climb out of but it will get easier. Promise!
355239
You need to call the numbers that are listed on the collection notices, give them your name and information, and verify with them if the payment is infact taken care of, or needs to be paid.  They are usually more than willing to help you give them their money back.  :)
100451
A warning first.  If you plan to pay off your debt, GET IT IN WRITING that they will either remove the report from the credit report, or they will change the entry to "paid in full, never late".  \n\nDo not believe them (especially a collection agent) that they will do it without such an agreement.  For $400 they will lie to their mother.\n\nNow, if they follow through with their promise, it doesn't matter what the timeframe is, it will show up as a good report once it's been paid.\n\nFor future reference, the "clock" for reporting debts on your credit report is 7 years from the time the debt occured.  I have also heard several people say that it restarts after a recent activity, but nobody has shown me where in the law it states this.\n\nBelow is the actual law from the Fair Credit Reporting Act.  Now I'm no lawyer but it does appear to state pretty clearly when the "clock" starts.\n\n§ 605. Requirements relating to information contained in consumer reports [15 U.S.C. § 1681c]\n\n(a) Information excluded from consumer reports. Except as authorized under subsection (b) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information:\n   (4) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.\n      (1) In general. The 7-year period referred to in paragraphs (4) and (6)(2) of subsection (a) shall begin, with respect to any delinquent account that is placed for collection (internally or by referral to a third party, whichever is earlier), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
445758
What seems to be happening here is,the company you had the actual debt with has not closed the account and it has therefore gained small interest,these files are then sent in bulk for a collection agency to sort out,the amount which has been paid still remains as unpaid when sent to the collection agency,so what you need to do is make contact with the persons,company or who ever the debt originated from and in turn they should inform the collections company,the fact that you say you continue to get them off different companys also backs this,has what is also happening one you explain the situation to one collection company and they then send it back to the originator who then sends it to another collection company,this is because the left arm hasnt got a clue what the right arm is doing and in any case dont worry about it,if seven years have passed you can tell them to take a run and jump
567865
I am a loan originator and deal with people who have bad credit on a daily basis.  I would suggest getting a copy of your credit report.  Then making sure that there are no duplicates or closed accounts affecting your score.  If there are you can call those places that have been dawdling in taking them off your credit report.  Pay things on time and try to get rid of as much revolving debt as possible.  If your credit is bad now you may need to wait a couple months until you can correct all of the above problems and bring your credit score up to where it should be.  I hope I helped to answer your question if you have any more concerning your credit scores feel free to contact me through my yahoo email.  P.S.  A credit repair company can raise your scores but you most likely won't see the results until the process is over, they can really affect your score negatively while the repair process is taking place.  Just put yourself in the lenders position. Would you lend money to someone going through a "credit repair"?  I suggest trying to do it on your own first.
570409
I agree with the above posted as to having a bunch of people pull your credit report. I would recommend staying away from lead generating companies like lending tree; you'll agree to the terms and conditions and next thing you know, 20 brokers are calling and they have all pulled your credit.\n\nI would recommend 1 of 2 options:\n\n1) Pull your credit or have one broker pull it and then  provide you with a copy, most will if asked. You then can speak to many people and fax them a fresh copy of the report which these brokers can use to find pricing information for you. If a Loan Officer tells you he can not use that report to find pricing then tell them thanks for their time and move on. Keep in mind that once you find someone you want to work with they will eventually need to run the credit report in their companies name.\n\n2) Check out Bankrate.com. They list hundreds of lenders and thier rates. Same thing though. Most are brokers listed there so have your credit report handy for them.\n\nPlease keep this in mind; don't just call and ask, "what's your rate?". We have NO IDEA what the rate is until we know about you and your specific situation. Credit score, loan to value, loan amount, purchase, refi, state etc... Anyone who quotes a price without any information is a liar and a fool. Anyone who trusts that pricing is just asking to be 'suprised' at the signing table when all of a sudden the pricing is totally different.\n\nIf you would like to discuss your specific scenario, drop me a line.\n\nKevin 866-562-6838 x 106\nkruorock@firstratelending.com
351447
How did you manage to "forget" that you had a HELOC?\n\nIn your Affidavit of Title, you would have had to swear that there were no other outstanding mortgages or liens, etc that were not being paid off with the sale.  You had a duty to inform them of any known items that did not show up in the title search.  \n\nOccasionally documents are filed in the wrong county, etc so they don't show up on the search.  That in no way absolves you from the responsibility of paying.\n\nPay off that HELOC right now and close the account, and make sure the discharge is filed.  It is your only hope of not getting sued for fraud.
531668
You call.  You say I'm interested in finding out if there is anything you can do about my current APR.  \n\nThat's it.\n\nIf they hem and haw, say you got an offer from another credit card company for 0% APR for the life of the transfer.  That usually gets them moving.  \n\nBear in mind though, that you should at least have been making minimum payments for some time.  They will work with just about anyone but the better you are in paying your bills, yet keeping a balance, they better off you will be.  They don't want you to take your money elsewhere, but they do want to be sure they are going to see some of it someday.
219560
I'd first start with disputing them with the credit agencies they're reporting to. If any come back as verified, I would then send them a debt validation letter (asking them to show you proof you owe THEM and no one else,the money for the account ), mailing it certified mail return receipt requested. If they can not validate they must remove their tradeline.
397489
keep paying on the bills that are in the "deliquent" stages.  It shows that you make good on your debt.  Maybe they would make a note on your acct that you didn't know you owed this money and are now to make good on it.  I think that help your credit score.
250000
If you owe money, you should know how to get in touch with the company.  It's called a Bill.  You should get one in the mail each month.
298929
THIS IS NOT LEGAL ADVICE.  YOU SHOULD SEEK ADVICE OF COUNSEL WITH KNOWLEDGE OF LOCAL LAWS.\n\nBetter check your loan agreement, promissory note or other debt instrument.  Many companies include in the terms of their debt instruments a right to call the full amount due at any time, at their discretion.  If this clause exists in your debt instrument then they may be within their rights to do so.  If the clause is not in your agreement you may have some ability to fight their claim for immediate full payment. \n\nGood luck!
316376
log onto the site www.annualcreditreport.com.  Check your credit report (you may have already done this).  Dispute that account on your credit report.  This is all you have to do!  The credit bureaus will then contact that source (AMER COL CN) and they have to prove that you once owed that debt.  If they cannot prove it or if the company cannot be located (this happens ALOT-sometimes I don't think the companies even check into it to verify the debt-they just don't respond to the credit bureau) or if they do not respond within 30 days to the credit bureau, your collection is removed.  This would boost your score lots of points!  Don't go crazy trying to locate that wireless company, do this first!  I have seen many collections deleted this way, including a medical collection of mine.  It is really easy, too!
266563
I noticed that you had not received any responses to your question. While I don't have the answer myself, have you tried to contact Yahoo! online Help directly?\n\nThe Help page link is at the very upper righthand corner of your web page in really small print. I've included the link here, in case you can't find it on the Yahoo! Finance page.\n\nhttp://help.yahoo.com/us/fin/\n\nWhen you go to this web page, scroll to the bottom. Under the heading Yahoo! Finance Basics, the last two options/links are Send Feedback and Reporting Errors. I believe your question is mainly a Send Feedback type of issue, but either link should let you submit your issue to Yahoo! Finance page support.\n\nGood luck!
344045
sorry for your loss.  well, i'm not sure why you can't sell.  that really would be your best option.  even if things get back on track, you are "mortgage-payment poor".  you need to find something more inside your means.  hopefully you don't owe more on the house than its worth.  if you do, maybe bankruptcy is your option.  a chapter 13 allows you to setup trustee payments for the deficiency balance, and resume normal payments once a month.  that way you dont have to worry much about the past due amount.\n\nhave you tried refinancing?  there may be an option there.  if not, maybe you can talk with your mortgage company and setup a forebearance agreement (a payment plan BETTER than the one you have, that would help you get caught up).  do you have equity in your house to do a 2nd mortgage and consolidate any other debts you have?   maybe doing that would save money monthly from your budget.  i don't know, just some suggestions for you.  good luck... it will work out eventually.
586679
yes ask for it back! it is yours! People should pay off what they owe and should stand by there word!