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Posts Tagged Credit Report

How do I fix my credit and make sure my unpaid debt is taken off of my credit report?

Nov 21

Posted by Banki in Credit | 5 Comments

love_earth22 pyta:
How do I fix my credit and make sure my unpaid debt is taken off of my credit report?

I am getting sick of my bad credit ruining everything I try to do. At this point I am finally able to pay off my debt in order to fix this problem. I have heard stories of people paying off their debt but the company leaving them as unpaid on their credit report. I DONT want this to happen. How do I go about paying everything off while making sure it is taken off my credit report for good? How long does it take your score to change after you paid everything off?

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How does an unused credit card report on your credit report?

Jun 7

Posted by Banki in Credit | 2 Comments

Simpson C pyta:
How does an unused credit card report on your credit report?

If I have a credit card that I do not use, how does this account reflect on my credit report? Does it show an open account in good standing?

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How do I close empty credit card accounts?

Nov 13

Posted by Banki in Credit | 7 Comments

atg28 pyta:
How do I close empty credit card accounts?

I have recently checked my credit report and I realized I had several credit card accounts which were unused for several years running with a zero balance for some time.

I would like to close them to resolve my accounts and improve my overall credit.

I have to admit that some of the credit companies are quite odd (not cititbank or MBNA) but smaller credit houses from obscure stores I once purchased something to earn the 10% off etc.

How do I go about contacting the credit card companies to close these empty accounts?

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