Chris D asked:


I own multiple rental units and also do some owner finance. Is it hard for me to report payment activities to the credit bureaus? Does it cost too much? I want to help these people build their credit score, so maybe one day a bank will refinance them.

ira d asked:


I want to pay of some of my old debt, but when I search the net using te listed company names off my credit bureau, I can’t find any contact info. The actual companies I owe don’t exist anymore or are under new ownership. My accounts have been sold or given away? I don’t know I just want to pay these people back but it’s been a pain in the neck findng someone to work it out with.

Elizabeth asked:


I have a tenant who is currently 5 months behind on his rent and is scheduled to move out in the beginning of April. I realize that I may never get the money that is owed to me and I want to report him to the credit bureau so he doesn’t do this to any one else?

Mariam S asked:


I was contacted by a debt collection agency who advised me that I had outstanding past due amounts for charges that I was unaware of. I promptly responded to their correspondence in writing to inquire.

I never received a written reply. I contacted the company by phone and provided my account/reference numbers. I was then transferred to a “supervisor” who refused adamantly to provide his name. His response was simply (and I quote) “your account has been sent back to the original company”. You need to contact them directly. Click. (He hung up on me.) All my subsequent calls are either “misrouted” or hang ups.

Does this sound as shady to you as it does to me? Who should I contact to make sure that this negative debt isn’t put onto my credit report or affect my score?

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During this current climate of economic instability, illiquidity in the credit markets, in the stock market, uncertainty in the stock market and the softening real estate market, one thing remains constant – good students should be given the opportunity to build a credit history. Responsibility, however, is imperative. It is essential that students keep in mind that if they don’t have enough money to buy something now, they should consider waiting until they can. Credit cards are most beneficial to students when then balance is paid in full every month. They should be treated like cash in hand. In these thorny economic times, where credit is proving to be more difficult to come by, it is important to establish a strong credit profile by obtaining credit early and maintaining a consistent payment history. Student credit cards issued by Discover and Capital One are perfectly designed for student applicants.

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By: College Credit Builder

About the Author:

LendingClub asked:

Introducing LendingClub, an online community for person to person lending at attractive rates.

LittleMomma asked:


I am a mortgage broker who recently signed up with Lending Tree to buy leads, but I can’t get an account rep on the phone to tell me what they cost. I know the price varies by age of the lead and a few other things. Can anyone help??? Thanks in advance.

JOYCorporation2009 asked:

www.vrtechmarketinggroup.com You already know that your credit score plays a significant role in your financial well being. Low credit scores can have a negative impact on many different levels. They may prevent you from obtaining needed credit such as a mortgage, school or car loan, or they may cost you a great deal of money in higher interest payments on loans, credit cards and insurance. Conversely, the higher your credit score the better your chances are of obtaining credit and loans at …

lightning_strikes asked:


I’ve heard that “baddies” stay on a credit report for 7yrs from the date of first delinquency.

In 2002, I had a Visa lateness recorded on my credit report. Next to the lateness, it said “due to stay on credit report until 3/2005″ which is only 2.5yrs not 7. Then in spring 2005, the lateness vanished from my credit report! (hooray!)

But in early 2005, I fell into financial problems again(job loss) and a few more 30day credit card latenesses got recorded on my credit report. In the past month, one of these 30day latenesses has vanished from my TransUnion report, along with any mention of the account(which is a good thing, since it’s been closed and was only open a short time anyway; the account was not beneficial to my Fico score)

I was wondering if the remaining 30day lates will disappear from my report once they hit the 2.5yr mark? Or, have the credit reporting regulations changed since 2002, and I will be stuck with them for the next 4.5yrs? Any experience w/ cc lates?

davedays asked:

www.davedays.com