can u pay off to any credit union to clear your bad credit report?
608255
Not sure what you mean.\n\nYou can pay off a loan from a credit union, but it's up to them if they remove the bad credit report.  That's why I tell people to get IN WRITING that they will remove it before you pay them anything.
189037
It never hurts to ask, but, they are in the business of making money, and as stated above, unless they think you are in serious contention to completely default and/or file for bankruptcy, they are not willing to make these types of deals.\n\nThey may make this deal if you go through a credit counseling agency, but they will do that through them, who act as a middle man...accept, you will basically have to tell them that you are broke...which you are not...\n\nif you seriously are in need of credit counseling, you may be able to wipe out  20-40% of the balance....however, with the bankruptcy laws changing last year, credit counseling is required prior to full dismissal in bankruptcy court...\n\n\nhttp://www.nfcc.org/
475506
YES!!! \nDont do it.  My wife and I did it and when we went to buy a new car it showed up on our credit report.  It wasnt as bad as a bankrupcy but it did put a negative hash on it.  We were still able to get the new car loan but it really mad me mad at myself for not looking into that first.  Should have just paid them off by myself.
93959
There are ways to clean your credit.  First things first though.  You want to make a plan to start paying down/off your debt.  Once you have the plan, and start working it, you can dispute things on your credit.  Sometimes companies report failure to pay incorrectly.  There are companies out there who can help you fight those part of your credit report.  You can also do it yourself, but in my opinion, its better to leave that kind of stuff to experts.
1160784
You can try Lexington Law Firm. They claim to specialize in this area, but as a rule the credit bureaus will tell you that No-one can remove a legitimate item from your report.
533997
Yes.  This has happened to me.  I am having a problem right now trying to get some stuff removed from my credit report.  The problem is that there are 3 credit bureaus and they do not share information so you have to contact all three - Experian, Equifax, TransUnion.  Use these sites to get free copies of your reports.\nwww.freecreditreport.com\nwww.annualcreditreport.com
724962
Their are all kinds of companies out there to help you. The only bad thing about them is they charge you a very high rate . Look on the Internet for: Amazon.com,  United Credit Help  Or the best ,  Quicken Loans. They  charge a higher rate ,but they work with people who have NO credit or very BAD credit. I wish you the very best of luck & I hope this helps..
435787
Be carefull with any credit repair agency.  Alot of times you will end up with a lower credit score when it is all finished. Just sleep with one eye open with all these companys.
1101292
You should look to try and join a credit union near you they usually are more forgiving.
196733
Of course they can. They are a collection agency. A collection comes along and takes over where the original credit grantor left off and gave up. They get a portion of what was owed on the original debt like 25% or so. Sometimes they purchase your debt from the original creditor for pennies on the dollar! Remember, the collection agency isnt your friend no matter how nice they are. They're in it for you money; as much as they can. Sometimes they will offer a "paid in full" for a lump sum of just half of what was owed. Make no mistake. Even doing that they still make money although they wont let you know that. You need to arm yourself with credit knowledge. Start by going to annualcreditreport.com and getting your free annual credit reports. Learn as much as you can by yahooing or googling about such info. If your debt is old, it might be better to not even mess with the collection agency. By law, a negative (unapaid) item in your credit report has to be removed after 7 years. Hope I helped some. Good luck.
949223
Paying off the card will not clear the negative data from your credit. It will change to show 'paid off' but the missed monthly payments and collection activity will remain reflected on the report and affect your overall credit score. Unless...you are able to make a deal with the card company for a full immediate payoff if they agree to ask the info be removed from your credit report (and get it in writing first). If you need something immediately, it makes no difference anyway. Even if you can make a deal with the card company, it will be 3-6 months before your report is cleared. Myabe you take the high interest loan now and re-finance later?
237339
Yes, you can get one free credit report from each company - every year.\n\nBe careful - there are many scam sites out there offering this service. The only safe place is www.annualcreditreport.com
542555
Here is how the game is played....\n\nIf you pay off your debt, you still have to deal with that negative report on your credit.\n\nPlacing "paid" on it does NOT remove  negative information such as late fees or that it went to collections.  Those who tell you otherwise are lying or ignorant.  I've counsoled many, many people who made the mistake of paying off debts, hopeing to get their credit improved, only to see it barely helped at all.\n\nThe ONLY person who can edit/delete credit information is the creditor to placed that information there.  And it's very unlikely you will get their cooperation once you have paid the debt.\n\nTherefore, before you pay them a dime, get IN WRITING that they will remove all negative information from your credit report.  Don't pay them a dime unless they do!\n\nRemember, you are trying to fix your score.  Why pay them if it's not going to help you out?  \n\nUse the sample letters below and write a negotiation letter.
281119
You must first understand how your credit report and credit score is figured out.  Go to the links below and learn about them.\n\nYou already paid off your debts, which is great.  But you made a mistake in not getting an agreement from your creditor to remove any bad reports off your record.  \n\nThey may still do it for you if you ask nice.  Ask them to change the account to "paid as agreed" or at lease remove the negative report from the records.  \n\nBy fixing any negative report it will help to improve your credit score.\n\nNext, study the MYFICO site and understand how your scores are calculated.  Then take the tips they give in improving it.  \n\nIt will not happen overnight.  There is no magic bullet that will fix it.  \n\nAnd don't fall for the claims from Credit Repair Agencies that they can fix it either.  They will do the very things I've mentiond, but charge you a few hundred dollars.\n\nGood luck
1178761
You can get all 3 credit reports from all of the credit bureaus free once a year.  Go to www.transunion.com and there will be a link on there for your free copy of all three reports.  They will send you reports from Trans Union, Equifax, and Experian.  I hope this helps!!
1137677
Get a co-signer with a good credit score. If that isn't possible use a company like American Finance or something equal to that, they are usually loan only businesses and not banks. Most of them make their money from 3rd party loans like when your local furniture stores says "No money down no payments until 2007" it is done through these little loan only businesses. Your interest rate may be close to 20% but you are more likely to get a loan if you can prove your income and their requirements on credit scores are much lower. Another long term alternative is to take out a small loan with a bank, not use the money and pay it back over 2 or 3 payments (months). Yet another option is to join a local credit union; credit unions give loans easier and if you have a co-signer who belongs to the same credit union there shouldn't be a problem. Remember most credit unions do not report anything to the Credit Companies unless you default or stop paying so being in good standing with your local credit union won't help your credit score. You can also offer to have the payments directly taken from your paycheck... this is sometimes very helpful if you have been at the same job over a long period.
997256
If you terminate your aggreement you will lose and more than likely get a bad credit rating.If you can afford to reduce the payments than thats the best way.Once the Bank/agency get their money they will be content.The last thing they wanna do is go to court to get their money back.Good Luck