Comments for CrediAid.com - Credit Management and Education http://www.crediaid.com/info Help with credit reports and scores, managing credit, credit education and improving credit Fri, 17 Jun 2011 09:33:48 +0000 hourly 1 http://wordpress.org/?v=3.3.1 Comment on Sample Debt Validation Letter For Getting The Collection Agency to Verify the Debt by Letters You Might need to Send to Creditors | Crediaid.com http://www.crediaid.com/info/07/sample-debt-validation-letter-for-debt-collectors/#comment-12 Letters You Might need to Send to Creditors | Crediaid.com Fri, 17 Jun 2011 09:33:48 +0000 http://crediaid.com/info/07/sample-debt-validation-letter-for-debt-collectors/#comment-12 [...] View “Sample Debt Validation Letter For Debt Collectors” – Whenever a debt collection agency makes contact with you to recover a debt, you can ask them to validate the debt. if they cannot provide the necessary proof and documentation to support the fact that you are the owner of the debt, you are not required to pay. [...] [...] View “Sample Debt Validation Letter For Debt Collectors” – Whenever a debt collection agency makes contact with you to recover a debt, you can ask them to validate the debt. if they cannot provide the necessary proof and documentation to support the fact that you are the owner of the debt, you are not required to pay. [...]

]]> Comment on Sample Letter for Disputing Credit Card Billing Error by Letters You Might need to Send to Creditors | Crediaid.com http://www.crediaid.com/info/07/sample-credit-card-billing-error-dispute-letter-2/#comment-13 Letters You Might need to Send to Creditors | Crediaid.com Fri, 17 Jun 2011 09:33:33 +0000 http://crediaid.com/info/07/sample-credit-card-billing-error-dispute-letter-2/#comment-13 [...] Credit Card Billing interest rate Dispute Letter – use this template to dispute an error on your credit card Bill. Speaking to the creditor over the phone is not enough and you should dispute the error in writing and sending letter to the disputes department of the credit card with certified mail. [...] [...] Credit Card Billing interest rate Dispute Letter – use this template to dispute an error on your credit card Bill. Speaking to the creditor over the phone is not enough and you should dispute the error in writing and sending letter to the disputes department of the credit card with certified mail. [...]

]]> Comment on Avoid bankruptcy by taking Help from Family and Friends by Why Bankruptcy Should Be Avoided | Crediaid.com http://www.crediaid.com/info/07/avoid-bankruptcy-by-taking-help-from-family-and-friends/#comment-23 Why Bankruptcy Should Be Avoided | Crediaid.com Fri, 17 Jun 2011 09:25:36 +0000 http://crediaid.com/info/07/avoid-bankruptcy-by-taking-help-from-family-and-friends/#comment-23 [...] Avoid Bankruptcy By Asking Family and Friends For Help [...] [...] Avoid Bankruptcy By Asking Family and Friends For Help [...]

]]> Comment on Avoid Bankruptcy By Asking Help From Creditors You Owe Money To by Avoid bankruptcy by Using All Resources | Crediaid.com http://www.crediaid.com/info/07/avoid-bankruptcy-by-asking-creditors-to-help/#comment-21 Avoid bankruptcy by Using All Resources | Crediaid.com Fri, 17 Jun 2011 09:25:19 +0000 http://crediaid.com/info/07/avoid-bankruptcy-by-asking-creditors-to-help/#comment-21 [...] Avoid Bankruptcy By Asking Creditors for Help [...] [...] Avoid Bankruptcy By Asking Creditors for Help [...]

]]> Comment on Do you want to stop calls from A Debt Collection Agency? by Before You Pay a Debt Collection Agency | Crediaid.com http://www.crediaid.com/info/08/do-you-want-to-stop-calls-from-a-debt-collection-agency/#comment-30 Before You Pay a Debt Collection Agency | Crediaid.com Fri, 17 Jun 2011 09:19:59 +0000 http://crediaid.com/info/08/do-you-want-to-stop-calls-from-a-debt-collection-agency/#comment-30 [...] Do you want the debt collection agency to stop calling you? [...] [...] Do you want the debt collection agency to stop calling you? [...]

]]> Comment on Is It Possible to Make a Payment Arrangement on Debt Collection? by Dealing with Debt Collectors | Crediaid.com http://www.crediaid.com/info/08/is-it-possible-to-make-a-payment-arrangement-on-debt-collection/#comment-31 Dealing with Debt Collectors | Crediaid.com Fri, 17 Jun 2011 09:15:41 +0000 http://crediaid.com/info/08/is-it-possible-to-make-a-payment-arrangement-on-debt-collection/#comment-31 [...] Can You Make a Payment Arrangement With A Debt Collection Account? [...] [...] Can You Make a Payment Arrangement With A Debt Collection Account? [...]

]]> Comment on Stop Calls on a Phantom Debt by How to Deal with a Phantom Debt? | Crediaid.com http://www.crediaid.com/info/08/stop-calls-on-a-phantom-debt/#comment-26 How to Deal with a Phantom Debt? | Crediaid.com Fri, 17 Jun 2011 09:04:20 +0000 http://crediaid.com/info/08/stop-calls-on-a-phantom-debt/#comment-26 [...] Also Read: “Report a Phantom debt Collection” & “Stop Calls on a Phantom Debt” [...] [...] Also Read: “Report a Phantom debt Collection” & “Stop Calls on a Phantom Debt” [...]

]]> Comment on Getting Married To Someone Who Has Declared Bankruptcy In The Past by Administrator http://www.crediaid.com/info/11/getting-married-to-someone-who-has-declared-bankruptcy-in-the-past/#comment-4 Administrator Mon, 16 May 2011 10:22:14 +0000 http://crediaid.com/info/11/getting-married-to-someone-who-has-declared-bankruptcy-in-the-past/#comment-4 Hello Emily, Thank you for writing in. Your spouse's bad credit will only affect you in situations where a joint account needs to be opened. Mostly in all matters of single account only your credit history will be considered. The thing with certain kinds of loans such as a home loan is that the creditors prefer the person taking the loan jointly. If you are married then they prefer that you take it with your spouse. Otherwise with someone else in the family like your parents etc. They do this because they like to safeguard their lending by having at least two co-owners on the loan from whom they can recover the money. Since you already own your home, your fiance's credit history will not be a problem. It may have an affect on future home loans. You should also know that a filing for bankruptcy stays on the credit report for a period of 7 - 10 years. After that it will not reflect on the credit report of your fiance. But unfortunately, in spite of it not being there, mostly all lenders ask their borrowers about bankruptcy filings in the past. If asked, this information should never be withheld. Please take the advice of an accountant or a counselor if you are concerned about joint accounts and the impact of the credit history of your fiance on future loans. But given the information that you have provided so far, your fiance's credit history should not have any impact on your home if you already own it and on your car loan payments since you already own it in your single name. We wish you both all the best for the future with a safe and prosperous financial state of affairs. Hello Emily,
Thank you for writing in. Your spouse’s bad credit will only affect you in situations where a joint account needs to be opened. Mostly in all matters of single account only your credit history will be considered. The thing with certain kinds of loans such as a home loan is that the creditors prefer the person taking the loan jointly. If you are married then they prefer that you take it with your spouse. Otherwise with someone else in the family like your parents etc. They do this because they like to safeguard their lending by having at least two co-owners on the loan from whom they can recover the money. Since you already own your home, your fiance’s credit history will not be a problem. It may have an affect on future home loans. You should also know that a filing for bankruptcy stays on the credit report for a period of 7 – 10 years. After that it will not reflect on the credit report of your fiance. But unfortunately, in spite of it not being there, mostly all lenders ask their borrowers about bankruptcy filings in the past. If asked, this information should never be withheld.
Please take the advice of an accountant or a counselor if you are concerned about joint accounts and the impact of the credit history of your fiance on future loans.
But given the information that you have provided so far, your fiance’s credit history should not have any impact on your home if you already own it and on your car loan payments since you already own it in your single name.
We wish you both all the best for the future with a safe and prosperous financial state of affairs.

]]> Comment on Getting Married To Someone Who Has Declared Bankruptcy In The Past by Emily http://www.crediaid.com/info/11/getting-married-to-someone-who-has-declared-bankruptcy-in-the-past/#comment-3 Emily Wed, 06 Apr 2011 20:42:45 +0000 http://crediaid.com/info/11/getting-married-to-someone-who-has-declared-bankruptcy-in-the-past/#comment-3 If I have already bought my home and my fiance has a bankruptcy in his past, will this effect my home? Can I keep his bad credit from effecting me if I own my own home, already have a new car with payments, and don't open any joint accounts with him? If I have already bought my home and my fiance has a bankruptcy in his past, will this effect my home? Can I keep his bad credit from effecting me if I own my own home, already have a new car with payments, and don’t open any joint accounts with him?

]]> Comment on Avoid Bankruptcy By Asking Help From Creditors You Owe Money To by Why Bankruptcy Should Be Avoided | Crediaid.com http://www.crediaid.com/info/07/avoid-bankruptcy-by-asking-creditors-to-help/#comment-20 Why Bankruptcy Should Be Avoided | Crediaid.com Sat, 12 Feb 2011 10:37:38 +0000 http://crediaid.com/info/07/avoid-bankruptcy-by-asking-creditors-to-help/#comment-20 [...] Avoid Bankruptcy By Asking Creditors for Help [...] [...] Avoid Bankruptcy By Asking Creditors for Help [...]

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