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Personal Finance Questions
Subcategories of personal finance and money issues:
Total questions: 10539
What are the different types of letters of credit?Popularity: 271
Why can't some credit references be verified?
Popularity: 244
Can you report a credit problem without getting someone in trouble?
Popularity: 225
How do you write a letter of dispute to the original creditor as opposed to the credit bureau?
Popularity: 215
If a mortgage payment is 20 days late will that be reported to the credit bureaus?
Popularity: 214
What is address for Household Bank and HSBC Best Buy for purpose of filing suit for verified inaccurate credit reporting?
Popularity: 213
How does the Fair Credit Reporting Act protect the rights of the consumer?
Popularity: 212
How do you make a family budget?
Popularity: 209
What should be in a redispute letter?
Popularity: 203
What are the payment terms of a letter of credit and how do you cancel it?
Popularity: 202
How can you find out if you have a judgment against you?
Popularity: 193
Do you have to pay a debt that has fallen off your credit report after seven years and what are the consequences if you do not pay?
Popularity: 192
What is the formula or procedure creditors and debt collectors use to figure out how much money they will settle a debt for?
Popularity: 189
How do you get an outstanding judgment placed on someone's credit report?
Popularity: 188
Should you sign a Stipulation for Judgment agreement?
Popularity: 186
Is a judgement against you through the court more damaging to your report than a collection?
Popularity: 186
How do you find the payoff amount for an old collection account?
Popularity: 183
Where would you get a 'fill-in-the-blank' form to give to your creditors so they can send reports to the CRAs?
Popularity: 182
If your account is sold to another collector does it stay on your credit report another 7 years?
Popularity: 180
Can a credit card company continue to charge interest on a charged off account?
Popularity: 173
Can a judgement be settled by going to the courthouse and making payment for the judgement amount?
Popularity: 173
Does a company need written permission to pull your credit?
Popularity: 172
Can an agency put your husband's medical bills on your credit report but not on his?
Popularity: 171
How long after a payment is made to your credit cards does it take to reflect on your credit report?
Popularity: 171
Will paying one credit card bill 3 or 4 days late affect your credit history?
Popularity: 171
Can you do a credit repair in 72 hours?
Popularity: 167
Can a collection agency legally inquire on your credit report more than once in the same month?
Popularity: 166
How does being part of a debt repayment plan affect your ability to rent?
Popularity: 164
Will a person be notified before his wages are garnished or his bank accounts are frozen?
Popularity: 164
If an account was charged off can they report a late payment a year later?
Popularity: 164
Is the 7 years on your credit report figured from the date opened date closed last activity or the last update to credit report?
Popularity: 163
Can a collection agency put a lien on your car or home when you returned the rental property over 3 years ago?
Popularity: 162
How do you put a judgment on a credit report for somebody that owes you money?
Popularity: 161
When an original creditor sells a charged off account to another company does this start the 7 year clock ticking all over again?
Popularity: 160
When you are trying to repair your credit and have a debt in collection it is wise to settle or file bankruptcy?
Popularity: 160
Can a collection agency charge you more money than what your credit report states you owe?
Popularity: 160
If you have forgotten your Social Security number how can you find out what it is?
Popularity: 159
When a debt in collection is transferred to a new collector or lawyer does that become the new date from which it takes 7 years to remove?
Popularity: 159
If a creditor sends you a 1099-C is the debt 'forgiven' and how will it appear on your credit report?
Popularity: 158
If your husband has a two collection accounts and you have perfect credit yet he's the one with the income can you get approved for a mortgage?
Popularity: 158
If you call about a negative credit item to ask questions and it is close to the seven year fall off mark will your phone call start the time over?
Popularity: 157
Can a collection agency put a collection on your credit even though you have a police report showing the car accident was not your fault?
Popularity: 155
Can you schedule your payments to credit card companies just slightly ahead of the date each month that they report to credit reporting agencies?
Popularity: 155
Can agencies revise resettlement payments after you've already finished paying off on a verbally agreed sum?
Popularity: 153
How long does it take for a collection agency to sue you to repay a debt?
Popularity: 153
How long does a judgment stay on your credit report?
Popularity: 152
How can you repair your 510 credit score when you have a car loan charge off and 6 accounts in collection?
Popularity: 152
How does a collection agency determine how much money they will settle a debt for?
Popularity: 152
Can a collection agency add monthly interest on an unpaid balance?
Popularity: 151
How can you find addresses or phone numbers for old creditors you find on your credit report so that you can either pay them or dispute them?
Popularity: 149
What are some good plans that could be considered when you repay debts for your business?
Popularity: 149
If a collection agency tries to collect an unpaid medical bill that you never received from the hospital should you pay the agency or try to pay the hospital directly?
Popularity: 145
How long do unpaid medical bills stay on your credit report?
Popularity: 141
How do you clear your credit report if your roommate fails to pay a utility bill?
Popularity: 140
What would happen if your bank reports you to the collection agency for being overdrawn by 2800 dollars for 45 days?
Popularity: 139
How many points will your credit score go up when you pay off a defaulted student loan?
Popularity: 138
Will a collection agency or the original creditor accept monthly payments to pay off a debt that is in collections?
Popularity: 138
What should you do if your ex-wife uses your Social Security Number without your consent and it results in a judgment being entered against you?
Popularity: 138
Can someone refuse payments made by monthly checks by allowing the checks to void out after 90 days and then claim you still owe them the payments in a lump sum?
Popularity: 137
Will getting a signature loan to pay off one of your credit card balances lower your credit score?
Popularity: 133
Can a debt collector threaten to sue and give a 24 hour period to respond in order to negotiate?
Popularity: 133
How long should you withhold a payment if you are disputing a charge on your account and the dispute is not settled?
Popularity: 133
How long does it take for your credit to get better after you are discharged from Chapter 13 bankruptcy?
Popularity: 129
Is it legal to relist a 12 year old debt once it has fallen off of your report?
Popularity: 129
Can your account be sent to a collection agency if you have been sending less than minimum due each month?
Popularity: 129
How long does a creditor have to collect after a car has been repossessed?
Popularity: 129
If a lawyer has your charge off account and you've been paying on time do they have to update your information with the Credit Bureaus?
Popularity: 128
If you have a late overdrawn credit card balance of 3000 dollars should you pay the amount off gradually or take an offer of 800 dollars to settle the debt?
Popularity: 125
If you settle a chargeoff or collection does this increase your credit score?
Popularity: 118
If someone is ill and has had lots of medical treatment and has no insurance when that person dies who is legally responsible for the bills?
Popularity: 118
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