Turned into Credit Bureau!!!!?
400564
Everything that you buy on credit or when to open the account you need to provide your social security number to do a credit check (not only credit card but even the utility bills or cell phone)gets reported to the credit bureau. If you have a report against you that means they reported a late (over 30 days) payment. I know that you do not like to hear this but if you have a late payment over 30 days, that gets reported and affects your credit score. If you only have one payment over 30 days it's not that bad though. Your credit score number gets lowered and the lower the number the higher the interest rate when you apply for credit in the future and if you have missed payments with a pattern of late (30 days or worst, 60 days) payments you might not be able to obtain jobs in certain fields or rent an apartment not to mention obtaining credit... Advice is be as conservative as you can from now on. It is not relevant to pay more than the minimum required amount on a credit card or other loan, so do not think that this help in any way. What is important is to send the payments religiously before the due date ( mail it at least 5 days in advance) or pay by phone or Inet and if it happens that you passed the due date, as long as it is before they issue a new statement, and is under 30 days, pay it even though with penalties. Hope this explanation helps you.
415067
These programs do nothing to help your credit, it is actually the oppostie, regardless of what they try to tell you. What happens is this: You sign a contract for them to get your debtors to lower interest rates, then they decide on a lump sum you pay the credit "counseling" company, a part of which is a fee they take for this "sevice", then they divvy up that payment amoung all your creditors. You do NOT have only one creditor now! Then as long as it takes you to pay off these debts, which can be a long time, you continue to show late, non-payment, on all these accounts. They do not pay them off one by one slowly allowing you to demonstrate you are  paying them. they sit there as bad debts the entire time without much to show for all the hard work you are going to to pay off your debt. After, while it shows them as paid off, it also shows how long it took you and how long these creditors went without the money you owned them. This helps your credit very little. OH yeah one more thing, when you sign the contract you are agreeing to NOT apply for releaf under the bankrupsy law!! YOu sign away your right to do this untill these current debts are paid off!! If you fail to make your payments you also now have one more creditor that of the consumer credit counseling company you signed the contract with!! Do you know for sure what your income will be next year or the year after that or the year after that, etc?? Do you know for sure a tragic accedent or illness will not strike your familly? Do you know for certian you will continue to have your current health plan and for sure what your share of the medical bills will be? Listen if you don't know even one of these things FOR SURE then credit counseling is not for you. If you do know for sure then by all means go ahead and sign up. \n\nI highly reccomend you get online and begin looking this information up. Get information directly from a one of those so called non profit organizations and spend $100.00 at the most, often you can do this for free to speak with a bankrupsy attorney. Become fully informed, look at your situaltion, your future possible situations and then make a fuly informed decision which will be in YOUR and your families best interest. There is a lot of room in the small print section of the contact you sign with these "counseling" agencies. Where do you think they get their money from? You and others like you who sign up for services.
1046493
You can't just change the number.  If there was going to be an identity theft, you'd know by now.  You can always check your credit.
200391
I'd suggest cleaning up your credit.  In loo of that you may need to open a joint checking account to get re-established.  This could be risky for the other person as you could very easily trash their credit if you make any mistakes with the account.
178538
Andy is absolutely correct.\n\nCredit repair companies are a scam.  They are charging you to do work that you are capible of doing yourself.  \n\nThe problem is most consumers don't know what to do. They don't know the laws, or the procedures in how to deal with credit agencies.\n\nBelow are some of the best links I have come across.   Read up, and if you need further advice contact me.
480309
Your local consumer credit counseling agency may be able to offer advice and possibly assistance.  \n\nI would try the one that is actually called CCCS rather than one that may advertise as credit counseling.  CCCS is non-profit and offers free advice.
889320
Yes, I have helped many, many people do this.  First know that the bureau must verify any debt you dispute.  If they can not verify it, it must be deleted.  They have 30 days to do this.\n\nWith 7 years in the credit business, I recommend disputing them all at the same time, as you will likely need to go through several rounds of letters to get what you want done. If something is blatently wrong with your credit report, call the bureau after they write back and refuse to remove it. Go up the food chain until a manager agrees to remove or amend the incorrect info on the spot. Don't buy into their speach about re-disputing it - but make sure you have provided the information necessary by mail already to correct the error. It will not help you to insist on something being removed if you have not provided verificaiton on why.\n\nWhen you mail in the dispute letter, mail in as much information as possible with it. If your verification is a bankruptcy, send in all the pages to your petition and tab the important pages for them to review.\n\nAlso mail in a copy of an electric bill and a copy of your ID to avoid any delays. See the FTC web's site for your specific rights with collectors and debt reporting:\n\nhttp://www.ftc.gov/\n\nIf your problem is directly with the creditors, write to them ONE time. If they do not remove incorrect information, write to your state's attorney general's office and the FTC. This will get you the results you seek if you are in the right.\n\nIf this is a collection agency problem, write to the same people plus the ACA at www.acainternational.org. Collection agencies are generally slime, so know your rights before you call them. See your rights here:\n\nhttp://www.ftc.gov/bcp/conline/edcams/credit/index.html\n\nIf you have legit items that are bad, dispute them also. If they can not be verified, they must be deleted. It is not your responsibility to prove they are inaccurate, it is the credit bureaus who must demonstrate they are.\n\nHope this helps!
135788
Depends how much you owe and what your credit looks like, probably not good right? Talk to a lawyer or someone who knows about bill consolidation.
441694
As a financial consultant, I can advice you to write a detail letter to all three credit bureaus and let them know what is going on. You need to pay nothing to them as you have already paid your company who you where already selinquent too. Sit back and relax, your problem can be solved. If you need more information you can contacting me by email.
1170022
Visit Creditboards.com or creditnet.com. Lots of helpful people there that might be able to point you in the right direction.\n\nGood luck!
1161006
Don't panic!  First, they're not going to come after the store.  Credit card companies can't really come and take things...that's why they call it unsecured credit.  Furthermore, they would have to go to court to get any kind of judgment against you, and even if they did, all they could do would be to go after your bank accounts (in your own name) or paycheck, but even that is extremely unlikely.  So, really, this isn't worth worrying about right now.\n\nSecondly, let's undo some misconceptions.  The minimum payment (not finance charge) that doubled is not because of any 'bad credit' statement.  It is standard.  Suddenly, lots of us are seeing the minimum payments increased, and it is something that results from a change in the law, not any decision that the credit card companies are taking.  The requirements have been made because many people have payments so low that they may never get out of debt.  The problem with such a law is that it has had the effect of suddenly whipsawing people into deep trouble that shouldn't have gotten there.  But we can't change that here.  Let's talk about how to deal with the new reality.\n\nYou can simply stop paying, but that may not be your best option.  It will affect your credit for real, and limit your options in the future.  You may also consider refinancing somehow, but this may only get you in deeper.  I think the best thing I could recommend is to get in touch with a credit counseling agency such as CCCS.  They may be able to get your monthly payments reduced back down to the level you were paying before.  It won't happen without some problems (such as cutting up your credit cards), but it should help you get out of debt entirely within about 5 years.\n\nBest of luck to you.
160099
go to the credit companies website and dispute the information.  I did it cause it had my dad as my spouse cause he co signed my first credit card.  After a few weeks they sent me something showing it was fixed
706987
You can do it yourself or you can pay someone to do it for you. \n\nHere is a good free kit to do it yourself: http://www.expert-credit-advice.com/free_credit_repair.htm\n\nHere is a good company to do it for you: http://www.expert-credit-advice.com/credit_repair_service.htm\n\nAnd if you are one of the skeptics that has said it cant be done because your credit is messed up and you have given up, read this page: might change your perspective: http://www.expert-credit-advice.com/credit_bureaus_credit_repair.htm
355625
Heaven don't listen to all these so called experts.Go to creditease dot net  n They can truly help.Remember that a contract is only legal if it is executed legally.Click the link below for help
29216
get ur credit report from all 3 places.equifax, experion, and there is one more..can't think of the name. Check it. Maybe there is things on there that should not be, if so, tell them and the credit place will have to place a rebutal on there and then you will have time to figure that out. Also place a FRAUDULENT ALERT ON THE REPORT. The agencies will have to contact you before anything is placed or bought.  And if there is things on the report over 7 years, call them and explain to them, most of the time, they will take it off. In some cases, the place you had credit with probably doesnt exist anymore and when the credit ppl send a inquiry, it will come back unanswered and they will have to clear it off of the report. keep a check on ur credit every year. each agency will send you one report free yearly. hope it helps
525918
The safest thing to do is contact them ASAP and make a payment that will bring you below your limit.  Many things happen when they calculate your statement at month end, they assess extra fees and penalties, they adjust your limits and they re-categorize your risk profile.  All these thing can have an effect on what your cost will be, so don't wait. \n\nWhen you call them take the opportunity to ask for a credit increase if you are going to hit your max periodically.  \n\nNever forget that in the hands of undisciplined users --CREDIT CARDS ARE PURE EVIL.  DO NOT LIVE BEYOND YOUR MEANS.\nYour choices now will have an effect on your credit needs in the future (like buying a home.)\n\nGood Luck ~The Renegade Banker
276139
If they send your account to collection and they report your payment delinquency to the credit bureaus, then that could hurt your credit rating.\n\nI suggest you first check out your contract. I'm sure there will be provisions as to what happens when you pull out of it. There will be penalties but paying a few hundreds can still save you a lot of money compared to paying for the whole thing. I'm sure that you are not the first who have pulled out of the contract after signing it.\n\nTalk to them and explain your situation that while you want to honor the contract, your circumstances have changed and you have decided otherwise. \n\nThere are easier (and cheaper) ways to start an online business. But I can see how the promise of them handling everything for you can be very attractive to some. This is a costly mistake, so next time before signing anything, check first if the contract provides for an exit door :o)