MadameJazzy: Still “owe on a credit card” around 0 but credit report says zero?
I had a credit card 2 yrs ago & it was the one reason why my credit score went from a 540 to a 650 in about 11 months. I paid on time and more than the minimum balance. They increased my credit limit but then my husband & I moved to TX for his job and I had to quit mine. I ended up not being able to pay the balance anymore, being 7 months preggos and no job. So it was charged off, so I made a payment arrangement to pay $ 40/mo. However, I had not paid them since May 2008 (I mailed like 3 payments and my hubby got laid off). So now, my hubby and I are divorcing and I am attempting to get MY finances in order. I checked my credit report and the balance is $ 0?? And it says that I have been paying as agreed since Feb 2008??
Do I need to report this to the credit bureau and dispute this off? Is the balance really zero, did the creditor make a mistake?? I don’t know how to approach it, I really don’t wanna pay this $ 700 but I will if I have to…
Answers and Views:
Answer by Sistin
pernahkah kau bicara tapi tak didengar….
I advice you to contact Rev. Clarkson Loan Firm at: [email protected]. That is where i got my loan of $ 95,000.00, from after been scammed 3 times.
He is a man of God.
Thank you Rev. ClarksonAnswer by bdancer222
The creditor made a mistake which is in your favor. Leave it alone for now. But you may want to put aside money for a settlement when the collection agency contacts you.
Eventually the account will make it into the hands of a collection agency. You will be able to settle the account for 50% to 75% if you have a lump sum payment.
Answer by PengyPaid a s agreed to for x amount of months then they sold it to a collection agency which will repost it to your account as you owing themAnswer by Rock
Probably you have some wrong items in your credit report. Use credit repair service to find and remove such bad stuff from your credit – freecreditreport.hotusa.org
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