My credit score
 

I got a call today from a collection agency or something. I was confused and pissed at the same time. I knew exactly what they were talking about because I tried getting my account switched to my new bank but the company had no clue how to do it. So, eventually I forgot about it and their bank or collection agency called today. The balance was 434 and they told me I could pay it all now or garnish out of my paycheck. They said if it was garnished it would hurt my credit score. So, I got the cash and its getting paid off tomorrow.

I checked my credit score a little bit ago and that $434 was on the report. What's going to happen when it gets paid off? I've got something else on there thats negative and I have no idea what it is.

You'll need to contact or write a letter to each of the credit score agencies after you've paid off your outstanding balance and request that they remove it from your record.

Your credit score is very important. Make sure you check your credit regularly and keep it clean.

Best of luck!

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I've heard that it can hurt you if you check your credit too many times. Where is the best place to check it anyways?

I've got student loans on there and two credit cards and one credit card that I paid off a couple years ago.

I went to that freecreditreport site and checked it. When should I check it again?

No, it can hurt your score if too many creditors check your credit score (applying for credit cards, etc.).

I use Equifax to check my credit. It checks all three agencies and it's good to check it often for fraud.

I've been an Equifax member for years and check it every few months.

Identity theft and fraud is way more prevalent than you'd think.

When that $454 gets paid tomorrow should I call them friday and request that they take it off?

Will it raise my score any?

Unfortunately that doesn't guarantee that they will remove it....in order to have it removed it must either be something submitted in error, or the business that placed it will have to request/authorize it to be removed.

mmaddog
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You can call them or contact them via the internet (you may be able to do it via freecreditreport.com. I'm not sure. You can with Equifax).

It should definitely raise your score but it normally takes at least 90 days.

When I was younger, I was able to get a few late payments removed simply by being polite and asking. I told them it was affecting my ability to get a loan and they removed them immediately.

I also disputed the fact that they were late (they missed by like one day). This was before online payments.

So I guess what I'm suggesting is that it doesn't hurt to ask.

free triple score dot com, free triple score dot com, free triple scorpl.... damn it

A couple of questions:

1) Did you ever receive your Right To Cure letter from the Creditor?

2) Did the person who called you identify themselves as a 3rd Party Agency attempting to collect a debt?

mmaddog
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You are correct...it never hurts to ask, but nothing is guaranteed.

Part of the ability to get something removed depends on the creditor and their willingness to be flexible.

mmaddog
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