kevingee2134

3 Contributions 18 People Helped

Member Since: September 2013

My Website: http://www.nursingcalling.com

Most Helpful Contribution

how long do hard inquiries stay on your report

Mar 17, 2014
Helpful to 17 out of 26 people

Call credit be aureus and tell them what happened. In your scenario, they should only count 1 inquiry if they were all within 2 weeks apart. It's actually a law.

Activity (3 Total Contributions)

how can i raise my crdit score 100 points in 6 months

Nov 01, 2013
Collection Agency? I think not
Helpful to 1 out of 1 people

Here's what happened:

6 Months ago I had about $1900 in collection for some hospital bill 2 years ago that I just didn't want to pay.  My credit was 620.  Called the collection company and they didn't want to negotiate.  I decided to try to call the hospital's collection department.  Paid $1600 for the bill (Assumed that $300 was collection fees) and asked them to report to that collection agency that the debt is closed.  Me and the lady from the hospital had a quick laugh at collection agency's expense.  Then I disputed from all 3 bureaus and called the collection agency to confirm that this debt is paid in full.  

Before this experience i thought that the collection agency buys the debt for pennies on the dollar, but in reality, they just try to collect it on behalf of the hospital.  My credit is 715 now, 6 months later:)  +95 points

how long do hard inquiries stay on your report

Mar 17, 2014
Helpful to 17 out of 26 people

Call credit be aureus and tell them what happened. In your scenario, they should only count 1 inquiry if they were all within 2 weeks apart. It's actually a law.

Has Credit Karma helped anyone improve their score?

Nov 01, 2013
How do you avoid paying interest?

Hello all,

I read so many comments that advice people to pay off their cards right before the payment is due to avoid interest.  When I call my chase, capital one or wells fargo credit card and ask them about this they simply say that interest is calculated as an avg. balance held in a month.  So, which cards charge you interest on day 31?  If I paid off my balances on day 29 they would still charge me the same interest because even though my balance is 0 now, my monthly avg balance is not...

thanks in advance for your replies