(Ben from California): Hi, I have an account that was charged-off in 1990 and that still appears in my credit report. I can easily dispute this item and remove it since it became delinquent 21 years ago. However, this account happens to be my oldest one as well. My next oldest account is from 2005, only 6 years old.

The question is this: Should I go ahead and remove this item from my credit report? Or should I keep it because it provides for a longer credit history and therefore outweighs its negative effect?

(Michelle from Georgia) how long do you have to collect your things from the home being foreclosed on once its actioned off?

(Deanne from Wisconsin) Do you offer credit counseling services relating to payday loans?

(Sarah from Georgia) Can A home be moved from property before foreclourse?

(j from Pennsylvania) Can a lender request my irs 1040 form?

(Andy from New York) Last year I tried to initiate phone service with a major company. They were entirely incompetent to the extent that they never even managed to install the line. I never made or received a call. I never signed a contract, and never received a bill from them.

I have just learned that they marked a “charge off” on my credit report for $350. I plan to contact them to see if it can simply be removed, but do not trust them. If they refuse, what is my next step? Do I have grounds for a lawsuit?

Many thanks,

Andy

(Q from Missouri) What is a no charge repossession?

(William from New York) How do you remove a paid debt from your credit report?

(Alexander from Pennsylvania) What is an approximate fee to take a credit counseling course as a requirement to file for bankruptcy?

(Yvonne from North Carolina) my husband and i have about $15,000 in credit card debt. i lost my job & his hours have been cut so much so that we cannot make even the min. payments. interest rates & finance charges are outrageous.  HELP, What do we do ?

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