how do i get my line of credit of hold, it is all apid up i missed 2 payments?
395654
I don't really understand all of your question,but if you are asking how to put a hold on it you can't. You can not close it until a card is paid off. Now if your asking can you put a hold on all credit you can make sure that before some one loans you something that they have to make sure it is you before loaning anything. Hope this helps..Cejay
612674
Sue!  Get a barrister and make them prove the claims.  Call your credit card company and refuse the payment.  Tell them the credit was not authorized, and they will not pay it.
106354
get a copy of all 3 credit reports.  just disputing on one wont fix the problem.  Write them a letter stating inaccuracies or use the online reporting thru their website. they by law have I think it's a couple of weeks to verify the debt/bad debt is valid or they MUST remove it from your credit bureau.  In the mean time they should mark it "in dispute" on your credit bureau if youre trying to buy a car or something in the mean time.  they might take that into consideration or maybe not.  sometimes you can go straight to that co and dispute and they can update the inaccuracy to the cbr immediately.
36576
Call them and let them know what has happened.  You may be able to pay check by phone until you get your new payment book......I lost a payment book in a move recently and I did was call the bank and all was good.
560406
Call your bank.  They can look it up and tell you exactly what it is.  Then if it's not approved by you, tell them and make them send the charge back.
709864
Check with your BK lawyer before doing anything. As far as Cap One goes... I dont adv anyone to go to them just simply cuz I work at a credit reporting agency and they are the number one creditor for reporting things wrong like balance and late dates.  Doesnt mean its like that for everyone I've just seem a lot of neg things from them.
719610
Only one late payment shows up
548498
there is a chance that the payment was never processed electronically.  you should contact your on-line bank support and see if the payment ever went through.  if not, then you just have to do it again.\n\nin the future, whenever you make a payment electronically, write down the confirmation number for future reference...
975447
Hello,\n\nYou should contact the store and ask if they can provide you with receipts for purchases during this time period.\n\nIf the purchases were not made by you, but money has been taken from your card to fund purchases; then you should get on to your account provider and explain the situation (as your card may have been cloned or details stolen).\n\nThanks
181500
Hey Ryan~ You asked quite a few questions so I'm going to break my answers up so here it goes:\n\n"After I have paid off a collection and my credit report states that it is closed and paid in full"\n \nAre you SURE you owed the collectors? You may not have had a contractual or legal obligation to pay them. Did you ask for validation of the debt before paying? If not, even though you have paid them it is not too late to ask for the validation. If they cannot validate the debt, even though paid, you may be entitled to a refund of said monies as well as they cannot validate or verify the information with the credit reporting agencies.\n\n"do granters look past this." \n\nFor scoring it will not help your credit score. HOWEVER, if a creditor does a manual review of your credit then yes they may look past it as it has been paid especially for a mortgage. \n\n"On my current credit score I have 6 negative marks, 4 of the 6 are paid in full and closed."\n\nRemember what I said above about the paid accounts. For the 2 that are not paid; send them a debt validation letter by certified mail return receipt requested. You want them to prove to you that you have a contractual and legal obligation to pay them and not the original creditor. \n\n"From what I have read on here it seems to be a lengthly process of trying to get that mark removed before the seven years are up"\n\nIf they do not respond to your validation request send a copy of the certified letter along with a copy of the "green card" you get back from the post office for the certified mail to the credit bureaus along with a dispute of the tradeline in question. You have proof the debt cannot be validated therefore it must be removed according to the FCRA.\n\n"Is there any I can do to improve my credit score to get me great interest rates?"\n\nI don't know what your current scores are but yes there are several things you can do like continue paying your bills on time, lowering utelization on any accounts currently open. Do not seek further credit. Each inquiry can hurt you. With as many derogatories you currently have it may be difficult to get new credit. If you have a good history with your current creditors then you may want to consider calling them and asking them to lower your current interest or wave annual fees.\n\n"Also I have presented offers to the original creditors to pay the accounts in full if they will pull them back and none have taken any of the offers."\n\nThat is not uncommon. Try to work out a doable payment plan with the original creditor (OC) to pay off overdue balances. Do whatever you can to keep the OC from sending your account to a collection agency if at all possible. If you insist on continuing to make "offers" to the OC then make sure you're sending them in writing.\n\n"Correct me if i'm wrong but from my understanding once an account is sent to collections the original creditor is paid the unpaid balance in full from the collection agency and the agency comes after you and tacks on an agency fee?"\n\nOk I'm correcting you. In my opinion you're wrong. Some collection agencies may actually be "in house collectors" which means the collector is a paid employee of the original collector. Outside collectors are known as third party collectors or JDB's (junk debt buyers). In many contracts and states a collection agency may not be permitted to tack on additional fees which is why it's important to ask for validation so you will know what the fees are for if they are in excess of the OC. Many JDB's purchase debt for pennies on the dollar.
966973
If you have proof that it was cancelled, hold on to it.  You will need this if it comes up when you go to buy a home.  \n\nContact the company you had the debt with and tell them you want this on your credit report.
923058
There lot of internal procedures involved even after u made the payment through online. The bank afterall looks for its own profits, so willl try as much to delay. but u hv a proof dat u made the payment four days back. so u can show dem da payment receipt proof which u ususally get after u made the payment online. \n\nit happened twice wid me that they charge me for late payment though both times it were they who at fault for the delay of procesing. but i had a proof of payment receipt. so i cud straighten the things up with them instantly.\n\nso make sure do keep all the receipts of payment with you. its quite essential especaily when u deal with banks or any such financial institutions. afterall, u're consumer and hv every right to fight for your needs,  your convenience & your choice of dealings.\n\nCheerz!!!
89292
try contacting one of the three major credit bureaus, call a mortage company for the numbers.
629989
contact the company holding your $$
729221
Check with the finacial institution used to make the payment.  If you did not make the payment yourself, then you have to ask the appropriate court to make sure the payment has been made.
225326
You can dispute it through all three credit bureaus and also contact the bankruptcy trustee and let them know. They can help you also.
920328
Your first step would be to get a copy of your credit report.  You can obtain one free if you have been denied credit in the past 30 days and you are also entitled to one free copy per calendar year.  \nYour credit report will show who you owe and will also give you addresses and phone numbers to get in contact with them.  Assess who you owe and how much and work out a budget.  Then give those people a call.  Some may even be willing to settle for less than owed.  Its a small start but its a beginning and you will be on your way to creditworthiness again.\nGood luck!