M*S
发帖数: 459 | 1 我的意思是自己查的credit score和creditor 查的credit score很不一样，不知道这
里是否有人有类似的经验，也想知道这到底是怎么回事。 |
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Z*******n
发帖数: 694 | 2 有同样经历。自己查的credit score比creditor 查的credit score 要高。 |
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f******d
发帖数: 450 | 3 我用creditkarma查过，比creditor查出来的还低了十几分。 |
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P****D
发帖数: 11146 | 4 Paying an old charge-off will not remove it from your credit reports. It
will simply be updated to a "Paid Charge-Off," which, while slightly better,
is still a seriously derogatory item.
Source: http://www.cardreport.com/credit-problems/charge-off.html
I don't know if your debt is already written as charge-off. But it doesn't
matter if you "admit" the debt or not. Only after the creditor (AT&T)
completely removes the debt will your credit report be cleared.
经影响了 |
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f****i
发帖数: 20252 | 5 not really
any credit towards the seller belongs to the bank. The credit towards you
has nothing to do with the seller's creditor. |
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b********3
发帖数: 994 | 6 有些creditor会用outstanding balance的5%算revolving account的liabilities |
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d****n
发帖数: 12461 | 7 close 72小时前一定可以看到appraisal，24小时之内可以要求看HUD。这些都不给，你
close当天就别wire钱。
Subtitle F—Appraisal Activities - SEC. 1471. PROPERTY APPRAISAL
REQUIREMENTS.
Chapter 2 of the Truth in Lending Act (15 U.S.C. 1631 et seq.) is amended by
inserting after 129G (as added by section 1464(b)) the following new
section:
‘‘§ 129H. Property appraisal requirements
[EXCERPT]
( c ) FREE COPY OF APPRAISAL.—A creditor shall provide 1 copy of each
appraisal conducted in accordance with this section in connection with a
higher... 阅读全帖 |
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w*****m
发帖数: 20421 | 8 你不交钱，人就会找CREDITOR找你要钱，还会坏你的信用记录的，
你的SSN BIRTHDATE啥的人都有记录，跑不了的 |
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w*****m
发帖数: 20421 | 9 反正一去CREDITOR那里你的信用记录就坏掉了，
你跟制度抗争什么，你自己签的字，没钱就跟房东
打电话，看能不能宽限几个月，饶你几个钱，多半是
不行，以后签字的时候要小心 |
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w*****m
发帖数: 20421 | 10 还是要出事证据的吧，比如你签的那个合同，
没事乱要钱，要错了被人告了，吃不了兜着走的，
CREDITOR也是有章可循有法可依的，要不说
很多美国人信用不好
啊? |
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m********l
发帖数: 791 | 11 刚刚发现欠款被上报到credit report了
信用分下降了100！BOA的FICO显示758 -> 650
我去TransUnion 看到的是736 (VantageScore?)
在Experian看到的是651 FICO8 Score
Account Number 1111****
Condition Derogatory
Responsibility Individual
Current Balance $770
Original Balance $770
Status 9
Original Creditor ****
Opened 02/17/2016
Remarks Placed for collection
当时这笔账是被人给坑了，于是赌气就拖欠这笔账，当时接到过collector的电话，当
下有点忙，他们态度也不好，于是我有点赌气没有付钱。答应他们第二天打电话给我的
时候我付清，他们也说会寄一封notice给我。但是他们直到今天都没有打电话给我，我
也从来没有收到那封notice（当时告诉了他们我的住址）。当时和他... 阅读全帖 |
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c****o
发帖数: 32446 | 12 你知道这种collection怎么work的吗？creditor把债卖给collector以后，他们根本不
理你了。而collector收到钱以后，也不要理你了
你应该在付钱之前要求把去除作为条件再付钱
现在它们都拿到它们该拿的了，还理你干什么？ |
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t*******n
发帖数: 4445 | 13
To see this you need to get a copy of your credit report.
Deletion of negative reporting needs to be negotiated & written down (and
you should also check with the original creditor to make sure).
Only if you are lucky, have a lot of time and patience, and can stand the
harassment. However within the statue of limitations the collection agency
can sue you and wins a judgement. Or other factors (e.g. buying a home) may
force people to settle to avoid more financial loss. |
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g******r
发帖数: 7 | 14
card
the answer is no, ur house is ur house. those creditor loan unsecure debt to u
have nothing to do with it. that is why C and JPM loss money when they issued
unsecure loan to ENE.
home loan, student loan, auto loan and goverment debt, say, u own irs money,
will not be moved by Ch7. |
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g******r
发帖数: 7 | 15
card
the answer is no, ur house is ur house. those creditor loan unsecure debt to u
have nothing to do with it. that is why C and JPM loss money when they issued
unsecure loan to ENE.
home loan, student loan, auto loan and goverment debt, say, u own irs money,
will not be moved by Ch7. |
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c********e
发帖数: 2 | 16 I have once programmed the credit score algorithm for an auto insurance
company (not same as bank, but may be very alike, I think). From what I
remembered:
Those hurt credit score:
1.Bankruptcy, more recent more harm.
2.Due Collection, declared as loss by creditor, more recent more harm
3.Late payment, 30day, 60day, 90day, worse and worse
4.Approaching total credit limit (the total balance is 80%, 90% close to total
credit)
5.Recent (within 2 years) frequent credit history inquiry
Those benefit |
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d*r
发帖数: 238 | 17 Use These Tips and Techniques and Watch Your Credit Scores Grow
Lenders look at your credit scores when you're buying a home, purchasing a
car, and to determine whether to loan you money for nearly all other credit
applications.
Before lending you money, creditors want to determine how much of a risk you
are—how likely you are to repay the money. Credit scores help them do that,
and the higher your score, the less risk they feel you'll be.
Most increases to your credit scores take place over tim |
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o**v
发帖数: 1662 | 18 【 以下文字转载自 shopping 讨论区 】
发信人: egon (schiele), 信区: shopping
标 题: 对付collection agency 秘笈Re: 再黑也黑不过Earthlink! 绝对奸商！
发信站: BBS 未名空间站 (Sat Oct 1 20:37:20 2005)
百试百灵
Dear Sir/Madam:
I dispute the validity of the debt referenced by your agency as account #xxxxx
.This is a formal request to receive verification of the debt, per my rights
under the Fair Debt Collection Practices Act. Additionally, I hereby request
that you send me the name and address of the original creditor, if it is
different from t |
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z****l
发帖数: 5282 | 19 ☆─────────────────────────────────────☆
shejiang (shejiang) 于 (Fri Apr 7 16:01:21 2006) 提到:
我到美国以后一直只用一张信用卡。
最近申请别的CREDIT CARD的时候被拒，在网上要了一份信用记录，才发现，我２
００４年初在GAP店内买衣服时申请了GAP的信用卡，因为搬家，忙乱，完全忘了这件事情
。而且因为已经很久了，GAP把这个帐号close了，转给了另外一个COLLECTION AGENCY。
钱只有二百左右，但很影响我的信用记录。请问除了交钱之外，我能做些别的来补
救吗？我可以和CREDITOR dispute吗？
很急，不胜感激！
☆─────────────────────────────────────☆
ripplelet (MagicBB) 于 (Fri Apr 7 16:02:28 2006) 提到:
你没有给钱，还dispute？
老老屎屎交钱，然后慢慢攒rp吧
２
情
。
补
☆─────────── |
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k*p
发帖数: 1526 | 20 在citi网站上在线操作的，Creditor自然找不到，HSBC地址可以这样找到：HSBC提供多种
Deposit方式，其中有寄check方式，去HSBC网站找寄check的地址，填到citi网页里面即
可。帐号就填Routing Number + Account No.就行了，比如Routing Number是123456789
，帐号是555555555，就填入123456789555555555，中间有没有空格不记得了，我觉得没
关系，我甚至觉得填Routing Number都没必要。两天Approve，一周到账，到账后第二天
post。 |
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l******e
发帖数: 72 | 21 最近不少new cop问,我稍微总结一下
1. 开户真的有bonus?
嗯,有,现在有很多,比如 $125, $100, $75(邮局搬家信封里有)之类的
2. 开户会不会有hard inquiry? 伤害我的"信用记录"吗?
online新用户有hard,老用户用express application只有soft.
hard自然会被别的creditor看到,so...
3. 开户的link是什么?
$125: code THZ3 (老用户), THZ1(新用户) 好像没关系
THZ1的link online chat给csr要吧,我没有
http://www.bankofamerica.com/promos/jump/125signup/?adlink=000302072g510000d591
$100
code: 100MBNA
http://www.bankofamerica.com/promos/jump/myaccess_netaccess/?adlink=000302072l240000e544
code: 100MYA |
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d*******o
发帖数: 684 | 22 这次用中文发，省得被好事者再转到fw
当天晚上bbb，一周后接到mbna一个电话说他们已经收到complaint了正在research。上
周错过了mbna的电话。今天收到mbna的信，说重新看了我的case，是我online要求涨
credit line触发了对我account的review，发现我的3张卡的cl太高太risky才关的。鉴
于我之前还款记录良好，可以给我重新开，但一共给我5k的cl，可以只重开一张，也可
以三张都重开分这5k。同时会向credit bureau报告是closed by consumer.
既然不是closed by creditor不给我信用记录留污点我就满意了。3张卡一共给我5k？
？我疯了才打电话回去重开吧……以后离mbna/boa的信用卡远远的了。
done。 |
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z****l
发帖数: 5282 | 23 ☆─────────────────────────────────────☆
PIONY (Friday5pm) 于 (Wed Dec 26 20:56:38 2007) 提到:
我收到他们0% APT 6mon no bt free的信， 然后另一张AMEX的credit line 转到这个
新卡上，共bt了20k,要他们转到我的checking account. 今天一看发现cc被suspended,
打电话说没有找到我的creditor account,要internal investigation.
我想问AMEX BT 一定要转到cc acccoun ,不能转checking account 吗？如果向他们要
conveninence check,不是也要告诉他们account number。
请前辈指教，谢谢
☆─────────────────────────────────────☆
unknowns (我怎么有这么多不知道的东西) 于 (Wed Dec 26 21:03:24 2007) 提到:
太牛了
我收到他们0% APT 6mon no |
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p****x
发帖数: 4260 | 24 ☆─────────────────────────────────────☆
swef (all) 于 (Thu Mar 6 19:43:32 2008) 提到:
sigh，之前其实有信号了，把cl降到了250，偶继续麻痹大意，还是几个月不用。
偶ld的看来要赶紧拿出来一个月用一次了。
☆─────────────────────────────────────☆
dreamsun (梦阳) 于 (Thu Mar 6 20:03:12 2008) 提到:
creditor关卡大潮来了
☆─────────────────────────────────────☆
ss33 (烦人！烦死人!) 于 (Thu Mar 6 21:18:11 2008) 提到:
我就这个月才开始用的, 刷了4次. 共计BALANCE: $1.80. 哈哈....
☆─────────────────────────────────────☆
abulldog (很好很强大) 于 (Thu Mar 6 21:40:42 2008) 提到:
Last Payme |
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p****x
发帖数: 4260 | 25 ☆─────────────────────────────────────☆
dreamsun (梦阳) 于 (Sat Dec 6 17:31:30 2008) 提到:
f**k，今天买菜发现Rewards plus卡给关了，回来一问，4张chase卡全在昨天给关了，
Rewards plus昨天才出来的statement里头的$65全给revoked了，昨天的statement才刚
凑过$50的可以兑现的。20k的cl就这么没了，而且还report的closed by creditor。
太狠了。。。。
这下没买菜卡了。
谁给我包子安慰下，惨。
☆─────────────────────────────────────☆
SONYYY (So, what's up?) 于 (Sat Dec 6 17:35:55 2008) 提到:
为啥啊？
你甩了chase的员工？
☆─────────────────────────────────────☆
yudeli (babe) 于 (Sat Dec 6 17:39:43 2008) 提到:
wha |
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W*****r
发帖数: 708 | 26 影响分数，两点，一是总credit line下降，二是closed by creditor记录，都是负面的 |
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z***t
发帖数: 10817 | 27 会影响的
你申请的时候没看清有annual fee么 既然已经开了 打给csr看能不能waiver掉第一年
年费
不行的话 就老老实实用一年再合并credit line或者关吧
closed by creditor是很伤的 尤其你年龄那么小 要注意保护信用记录 |
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l*****n
发帖数: 577 | 28 Do you mean 如果没有BBB，申请新卡可以得到approve? 有这样的同学吗？
Appreciate if someone could share...
[BTW, personally, I don't think BBB has anything to do with the rejection,
since the representative explained "unsatisfactory relationship is found by
pulling out the credit report and spoted out previous Chase credit accounts
are marked as "cancelled/closed by the creditor/granitor", which is the case as I can see on my latest credit report (all my other closed accounts has "consumer requested" except those force |
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C*****a
发帖数: 1025 | 29 【 以下文字转载自 Living 讨论区 】
发信人: Camilla (HeHe), 信区: Living
标 题: 一直以为自己信用分不错,结果今天被告知有严重delinquency
发信站: BBS 未名空间站 (Sat Feb 20 23:42:10 2010, 美东)
今天去银行搞pre-approval,结果信用报告上说我有一张2006年3月开的macy's卡上欠了
$167(卡的credit line才$100),在拖欠大半年后该卡closed by creditor.问题是我根
本不记得有这回事,印象中没办过macy's的卡.我的EFX BEACON还有800分以上(看起来是
他们没有提delinquency那条),可是TUC FICO Classic只有730分左右(原因就是serious
delinquency).我半年前在网上免费查了信用分,好像就是FICO,当时看到有800分左右
的,而且也没有提macy's卡的事.银行的人让我给信用卡公司打电话让他们纠正过来.我
想问问有没有人有类似经验,是有人冒我的名办了卡,还是更可能是信用卡公司搞混了?
如果他们把这条去 |
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i**r
发帖数: 2112 | 30 存支票要被ChaseHOLD钱 不能马上available...如果你知道有人会在你账户提钱（支票
或者PULL BY OTHER CREDITORS) 存支票是行不通的 |
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d*********9
发帖数: 17 | 31 e...有一条closed by creditor会不会对以后开卡有不好的影响啊 |
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b*****r
发帖数: 2065 | 32 还房贷就是还其他creditor的loan， 你不必让信用卡公司给你支票取现或者overpay其
他信用卡，再让它refund， 直接把受到的BT的支票pay 给房贷就行了， 或者让信用卡
公司直接pay 给房贷公司。
不过你要cash advance， 那是绝对不合算了。 0%APR 还行， 即使有3%的fee也还可
以的。 |
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l******t
发帖数: 2113 | 33 是的，这个score是citi自己算的，跟我在discover上面用的credit score tracker看
到的不一样，低了好多，都是同样experian的report，citi真过分
ps，哪些creditor是用transunion的score啊？好像他们家的score跟另外两家不太一样呢 |
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n*********e
发帖数: 2289 | 34 If it is your first credit card, it will affect your history definitly.
If the credit line of it take a large part in your total credit, it will
also do harm to your history.
If you only open this for a short time, it will also have negitive effect
for you within about 2 years. Creditor may be concern about his. |
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l********1
发帖数: 176 | 35 short time请问是多久，半年后关可以了吗？
If it is your first credit card, it will affect your history definitly.
If the credit line of it take a large part in your total credit, it will
also do harm to your history.
If you only open this for a short time, it will also have negitive effect
for you within about 2 years. Creditor may be concern about his. |
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f******r
发帖数: 2136 | 36 请问信用报告是不是一个月更新一次。假定更新日期是每月1号，我5号申请一个卡涨
credit line，10号又去申请另外一张信用卡，那这个creditor查我信用记录的时候，
是看不到我5号要求涨信用额度的记录的，是吗？THX |
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f******8
发帖数: 260 | 37 有一项是COLLECTION COMPANY OF AMERICA
Original Creditor:
AT T MOBILITY
Status:
Collection account. $475 past due as of Jun 2010
Date Opened:
03/2010
Date of Status:
04/2010
Reported Since:
04/2010
Last Reported Date:
06/2010
Type:
Collection
Terms:
1 Months
Monthly Payment:
$0
Responsibility:
Individual
Credit Limit:
$366
High Balance:
N/A
Recent Balance:
$475
Recent Payment:
$0
我确实有时候会miss ATT的deadline,但我每个月的话费只有60刀，怎么会冒出来4百多
刀的金额？请达人指点。多谢！ |
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n*********e
发帖数: 2289 | 38 The reasons you did not score well were:
Your debt with other creditors relative to the available credit as indicated
by Experian.To better understand the information in their files please
contact Experian at Box 2002, Allen, TX 75013 or 888-397-3742.
The average of your payments in relation to the balance on your American
Express account(s)
Our assessment of your monthly payments in relation to outstanding debt on
credit card accounts, as indicated by Experian.To better understand the
informa |
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z****i
发帖数: 591 | 39 你最好自己主动去关.
被amex关了,估计以后都很难翻身了.
closed by customer和closed by creditor在信用记录上可是天壤之别.
呵呵 |
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c*****d
发帖数: 6045 | 40 很惨的是，我当时不在家，所以没有回信
2张自己的，2张lp的都是closed by creditor
555 |
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s******y
发帖数: 200 | 41 多谢。已经还了。给他们的customer service打电话，那个人在系统里写了个note说明
了情况，让哪个部门去review然后决定可不可以撤掉那个record。不知道他是不是在应
付我。
这样是不是说creditor报告给那3个credit agency的record还可能要求更改？ |
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d****o
发帖数: 434 | 42 1.信用分数是实时变化的，不是每月才变一次。所以你的破罐破摔理论不成立。但某些
情况下，一些信用卡在审核你的申请的时候比较不介意你的信用情况（例如CAPITAL
ONE，或者DISCOVER对于信用记录刚建立的新人），这种你可以试一下但总的来说不建
议因为所有HARD PULL会留在你记录上两年。
2.不影响。BOA那张卡从SECURED CARD转普通卡的时间是规定的。无论期间你分数如何
变化，都会转好。
3.你只有一张1000的卡但每月BALANCE就700-900这样不好。建议每次在STATEMENT出来
前尽量付清。免得别的CREDITOR以为你一直都保持高欠债比例。 |
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m**o
发帖数: 1970 | 43 说是一个信用机构 报告说有 欠了一个creditor 很多钱 不知道啥概念
不知道具体怎么回事 不过 现在也不太用这张卡 需要折腾么。。 |
|
l****u
发帖数: 418 | 44 其实我试过直接从网上dispute experian的记录
谁想到他们说他们从来不会联系original creditor 只联系给他们提供信息的人
UCB说collection还在 他们就不能remove
貌似网上说写信去dispute 附上账单 收据医院的document可能会有用
但是从他们以往的回复上 看也不怎么乐观啊 都不知道还有没有必要写信去dispute |
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l****u
发帖数: 418 | 45 给楼上发信了
请问你是怎么dispute的
因为我之前也在网上dispute过 credit union说他们只能根据讨债公司提供的信息来update 根本不会过问original creditor
请问你是不是写信给他们附上账单和receipt？ |
|
z*******6
发帖数: 353 | 46 after 30 days, creditor very likely will report "late payment" to 3 credit
bureau and will stay in your report for 7 years.
After 180 days (maybe 120 days depends on institutions) accounts will be
charge-off and sold to a collection agency, then a collection account will
be reported and stay there for 7 years. |
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c*****a
发帖数: 3965 | 47 我710吧（citi creditor monitor）
2年历史
有6-7张卡 |
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d****o
发帖数: 434 | 48
高？
信用记录是属于商业数据,政府没有必要来管理这些.政府需要统一管理的是你的犯罪记
录.
商业数据由不同的商业公司独立运营,避免一家操作出现垄断或者黑箱,三家各自独立地
收集数据,CREDITOR随便参考其中任何一家或者三家都可以.
明白了么. |
|
p**f
发帖数: 3549 | 49 我现在只查了Experian，发现两张信用卡(citi, fia credit)的记录上面显示的都很明
确，而且有balance history啥的，还需要查Equifax和TransUnion吗？会不会三份报告
差不多？
言下之意是，会不会他们三家是信息是互补的？比如有另外的creditor查过我的信息，
然后Experian显示不出来。 |
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d****o
发帖数: 434 | 50 你已有的帐户资料,每个月由银行向三家信用局报告,因此这方面的内容差不多.
你申请新卡的时候,新的CREDITOR随机向其中一家,二家甚至三家查你的信用记录.因此
每一家的HARD记录会不一样. |
|
