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If you faithfully paid off credit card debt over 7 years through an agency like Credit Guard of America will your credit still be bad?
Wiki User
∙ 15y ago
If you're looking for a simple short answer it would be quite possibly however honestly in the world of consumer credit & loans everything depends on a professional review of your personal financial situation as any general answers may steer you off in the wrong direction or provide you with false hopes. Merely searching online may produce general or specific answers targeted towards another individual which may steer you completely in the wrong direction giving you the false sense of security or possibly false hope. You can take everything you learn into consideration however ONLY licensed professionals may give legal or financial advice because there are many variables that you need to factor into the entire equation. Federal Laws provide minimal mandatory guidelines then each state regulatory division handles to a further extent according to their own set of rules. under state statutes as long as they meet and are withing Federal requirements.
A good starting point is to get an income & debt analysis from the EMD organization so that you have a better overall understanding of your options and which step to take first. EMD has an excellent reputation with understanding individual needs not general assumptions as others categorize you. If you are looking for help visit their website at http://www.BestDMP.info
For a limited time they are also offering new clients their no obligation risk free premium consultation at absolutely no charge (Normally $400.00).
To get started just fill in the form towards the bottom of the website and they will get back to you the same day if not following business day at the latest. Make sure to sign up for their newsletter too as they provide up to the minute information on new laws and changes so you stay one step ahead of the game. Newsletter and review requests are musts.
You can receive 1 copy from all 3 CRAs Credit Reporting Agencies (Equifax-BEACON®, Experian-Fair Isaac Risk Model "FICO" & TransUnion-EMPIRICA) per year however please note these reports do not provide credit scores
Unfortunately until laws are changed the government allows the CRAs to sell your information to others that request it. This is an automatic opt-in which you must opt-out of instead of the other way around. These companies charge your for reports, scores but also make an incredible profit doing this. Since it is not illegal they continue to get away with it at your expense (and they make identity theft a big deal, know you don't need to wonder why!)
EMD is working hard to make changes so join the revolution today and get your life back in order. Their efforts will be lost without you. This is a joint effort, you need them just as much as they need you, they will be the voice but they need you to make them be heard, please spread the word to all your friends & family and lets get this country out of this depression.
Wiki User
∙ 15y ago
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Does a credit agency have to notify you of money due before they report to the credit agency?
No
Where can I get a free credit check?
You can file a credit check from your credit card company or you can file it through the government tax agency. www.consumer.ftc.gov/articles/0155-free-credit-reports gives more details about credit check.
Do I need a credit agency to monitor my credit?
Their are certainly credit agencies that can help you monitor your credit, however, they usually come with a maintenance fee. Creditscore.com is a reputable credit agency.
What is the purpose of credit rating agency?
A credit rating agency assigns credit ratings to certain types of debt obligations and debt instruments.
When Will The Credit Reporting Agency Respond To A Credit Report Dispute?
Whenever you submit a credit report dispute, the credit reporting agency has as much as 45 days from receiving your dispute to do an analysis. The credit reporting agency generally will get 30 days to research your dispute, but when you signal more details inside the 30-day window, the credit reporting agency will get yet another 15 days, getting the total to 45. Once the credit reporting agency has got the outcomes of the analysis, the agency should inform you about the results within 5 working days.
Does a credit agency have to notify you of money due before they report to the credit agency?
No
How do I find out if credit cards have been taken out in my name?
Ask for a credit check through a credit reference agency. A credit check on your personal details will reveal every card registered to you.
What credit report agency does Georgia bank and trust use for mortgage?
When trying to get a mortgage from Georgia Bank and Trust, it is a common practice for the bank to run your credit through one of three credit reporting agencies. The website for the bank does not list what credit reporting agency they use.
What is an agency credit memo?
An agency credit memo is an official notification that a travel agency has overpaid an airline for a ticket.
Where can I get a free credit check?
You can file a credit check from your credit card company or you can file it through the government tax agency. www.consumer.ftc.gov/articles/0155-free-credit-reports gives more details about credit check.
When was Belgian Export Credit Agency created?
Belgian Export Credit Agency was created in 1921.
What is Belgian Export Credit Agency's population?
Belgian Export Credit Agency's population is 160.
What is the population of Belgian Export Credit Agency?
Belgian Export Credit Agency's population is 380.
What is the full form of ONICRA which is a credit rating agency?
Onida individual credit rating agency
Is there a safe way to check my credit score through a credit agency?
You can obtain a free credit report from Experian once per year for free. If you try to obtain a credit report and they charge you, you may have inquired about one already. You can do this online, through fax or mail.
Do I need a credit agency to monitor my credit?
Their are certainly credit agencies that can help you monitor your credit, however, they usually come with a maintenance fee. Creditscore.com is a reputable credit agency.
What is a credit counseling agency?
A credit counseling agency is a business, or partnership which gives advice on either boosting your credit scores, and expunging credit blemishes from your record.
