RyanD

But that is to the CA saying I've paid the debt with the original company, I actually paid thE CA.

So just go directly to the credit bureau? Can you give me a little more direction, I can't find this letter you speak of?

For more context, my score was 779 and now it's 682, almost a 100 point drop from one stupid $49 collection. Other than that perfect credit, I hate myself.

Damn, so it hurt me to actually pay it?! Damn damn damn. Should I still send the letter to them? Should I send one to both, what template should I use?

NCO, when ever I called 1and1 they said they didn't handle collections and I have to talk to NCO.

As in is the amount correct? I'm not sure, it was years ago. They never called and the one email they sent I later found out went to my spam box. I just paid the debt today so it will take 48 hours to update but I'm guessing without removing it my score is not going to jump that much.

Not sure if I should've paid it or not but we plan on buying a house in the spring and I'm trying to clean my report. That's the only collection I have and naively I was so pissed that they were charging me $49 for a $4.99 debt I told them to get lost. Anyway, I paid the full debt but the guy said he can't remove it, something about they don't owe the debt they just collect it for 1and1. What should my next steps be, am I screwed? Should I try calling 1and1 once it's paid? Should I contact the credit agencies? Thanks.

So, if this year I've already put the max $5k in but I'm over the limit what are my options? Do I just take it out and put it in a normal investment account? Does it makes sense to transfer it to a 401k or trad. ira since I've already paid taxes on it?

So, if my wife and I make under $177k a year we can contribute to an Roth IRA but if we make over that can can't contribute anything? How is that fair, why can't we have the same benefits as people that make less, what kind of retirement account are we supposed to have?

I'm looking in central Massachusetts, I think they are above my requested amount. Our FHA loans only available for certain houses though..I thought I read that someplace. Would we just need the 3.5% of would we need additional fees and costs also?

We're really tempted to purchase this year, we can't take this tiny apartment any longer. Here are our stats... :-) Income: $132,000 Debt: $1400 not counting rent. Car and student loans. My credit is spotless around 760, she has one 30 day late and is around 650. The issue is we have nothing for a down payment, we could probably save up $7-10k if need be but we've been spending all our money on shrinking our debt because we didn't expect to purchase but now seems like the right time. Thoughts? We're looking at houses around the $300k range, will we qualify for this?

I didn't even think of that, at the very least I should have her add us on the title so we do have ownership in case she jumps ship. I thought about paying the payment and then having her friend pay us but I was told that would give her a reason to not pay since it's us and not the bank. Great friend huh?! :-(

About a year and a half ago my fiancee's best friend really needed a car and with her bad credit she couldn't get a loan by herself. For her friend to get to work etc. she really needed the car so against my demanding she not do it she went ahead and co-signed the loan for her friend because her friend promised she would never miss a payment. Fast forward and all of my fiancee's finance rates are going up because guess what...she missed a payment! This year we want to purchase a home and now she has one late payment on her spotless record because of this not to mention we show $212 additional revolving debt that isn't ours. Her friend says she overlooked it and it wont happen again but this is already going to effect us and god-forbid it happens again! The worst part probably is the car is 100% under her friends name, her name is not on the title at all so if I lemonade her friend off and she stops paying for it we will have to pay for a car that we have no ownership in! So, what can I(we) do about this? I doubt her friend can get a loan for the car herself because she is late on bills all the time still and now the car is probably worth less than the loan so we can't even make her sell it off(plus she couldn't get to work)

Weird, our situation is very close! My fiancee and I are looking to purchase our first house in Massachusetts this year too. :-) From the people we've spoken to we will probably be given a limit of around $300k and we make $132k/year so this might help you get a better idea of what they will tell you. Houses in Mass are so expensive, even with $300K it's hard to find something that we find "decent" and in a good area that wont require another $15k of work to start living in.