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Dino
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Post subject: Charge off |
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| I still have a charge off on my transunion after 8 years; howdo i get it off. |
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Niicss
Joined: 03 Oct 2005
Posts: 2620
Location: New Jersey
409.63 Dollars($)
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Post subject: |
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Did you paid off the charged off amount? If you had paid off the amount, then you should contact your collection agency and ask them to inform the credit bureau about the payments and get it removed. Alternatively, you can directly contact the credit bureau and submit the required documents to get it removed from your credit report.
_________________
Good is the Enemy of Great. |
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James26
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Post subject: Credit Reporting. |
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| Can a Collection Agency report on my credit if they no longer have my acct. The acct was transferred to another agency. I found out when I tried to contact the Agency on my credit report they told me they could not help me they no longer have the acct. |
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adonis
Joined: 22 Oct 2005
Posts: 3852
Location: ALASKA
120.89 Dollars($)
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Post subject: |
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Hi James,
If the collection agency does not hold your account, then they won't be able to report the same on your credit report. The collection agency which holds the account would be able to report it to the credit bureaus.
_________________
Procrastination is the enemy of your financial sucess |
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Hiswife07
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Post subject: Auto loan charge off |
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| My lending company said that my account has been charged. I am now able to make payments but how do I find out if the account was given to a 3rd party or collection agency? And if someone else did assume the loan can I still pay and avoid repossession? |
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chrystine
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Post subject: LAWS |
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| Hi I have a charge off and i am making voluntary payments on it however it's not what they would like for me to pay. She said that she can still take me to court and pursue it, is that true? |
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smithsussane
Joined: 18 Sep 2008
Posts: 3738
Location: Alaska
561.45 Dollars($)
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Post subject: |
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Hi!
Welcome to forums!
To Hiswife,
You can contact your creditor and ask them to inform you as to who the collection agency is. Once the lender lets you know about it, you will have to contact them and pay off the dues to them. You will have to ask the creditor to take back the account from the collections and then negotiate about assumption.
To chrystine,
The collection agency can sue you for the debts. You can negotiate with the collection agency so that they can give you a payment plan to pay off the dues.
Feel free to ask if you've further queries.
Sussane |
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command
Guest
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Post subject: judgement |
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| does a judgement ever expire is arizona |
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gmakerley
Community Mentor
Joined: 09 Nov 2007
Posts: 7405
Location: bloomfield, ct
62.63 Dollars($)
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Post subject: |
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that's best asked of the court system in arizona...either the court in which the judgment was obtained, or with the state attorney general's office.
on here, you'll get much speculation, and perhaps a real answer, but for safety's sake, it's best you get a true legal opinion in this matter (or definitive rule of law).
_________________
George M. Akerley
Loan Consultant
860-221-5044 |
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justoutthere
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Post subject: foreclosures |
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| when can I own a home again after a foreclosure. |
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sunnyca2009
Joined: 04 Aug 2009
Posts: 1737
36.13 Dollars($)
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Post subject: |
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| You will need to wait 3 - 4 years |
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superbadcredit
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Post subject: americredit |
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| I had a repo in 2002 from americredit on a car that only had a balance of $2000 left on it. They have sold the account 5 times back and forth to other companies and back to them!! On my credit report it shows a charge off in 2002 for $8000. ? Then it shows no payment with the 5 other companies who have held this debt. Now the debt is showing at $14000.00 . On August 2009 it has Americredit saying charge off again , But this time with the $14000.00. Is this Legal? And when will this come off my credit? Because they keep renewing it every couple of months. |
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sunnyca2009
Joined: 04 Aug 2009
Posts: 1737
36.13 Dollars($)
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Post subject: |
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It think the debt is collectign interest and very high rate
heck with yoru original lender and get ti settled |
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tina]
Guest
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Post subject: debt |
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| i thought i settled a debt on a card about a year ago. now getting a letter from an attorney wanting to sue for almost teh orginal amount what so i do..... |
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gmakerley
Community Mentor
Joined: 09 Nov 2007
Posts: 7405
Location: bloomfield, ct
62.63 Dollars($)
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Post subject: |
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you "thought" isn't going to cut it. you need proof. did you pay by check or debit card? did you pay by money order or cashier's check? did you pay by credit card over the phone? did you get a receipt from the creditor? do you have any proof?
_________________
George M. Akerley
Loan Consultant
860-221-5044 |
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