Payday Loan in Long Beach

We are an immediate loan specialist in Long Beach, and we are quicker and more advantageous than run of the mill retail facade banks since we're based on the web and are open constantly. No compelling reason to sit tight for "ordinary business hours" or invest energy flying out to the store — our short application can be finished in not more than minutes. You can even apply from a cell phone while you're in a hurry!

We can loan up to $500 to Long Beach occupants, in view of qualifying elements. On the off chance that endorsed, your credit will be expected on your next payday that falls in the vicinity of 10 and 31 days after you get your advance. Nitty gritty data with respect to expenses and reimbursement is accessible on our Rates and Terms page. As you consider whether an advance is proper for your prompt needs, you ought to likewise investigate other subsidizing alternatives. A payday credit is a genuine budgetary duty, and not an answer for long haul issues. Getting from a companion of relative may be a superior alternative.

    I have several credit card accounts that were charged off a few years back. Some are listed as "paid in full", some are listed as "paid - settled for less than full balance", and some are listed as '"derogatory" with a balance due. If I were to pay off the derogatory accounts, would it make a significant difference to my credit score? Or, would I simply be throwing away money?

    This is yet another example of why you have to be careful listening to advice on Yahoo Answers....too many people don't have a clue and won't research their answers first. If you follow their advice you will do far more damage than you will help. Thank God for people like Cody, who will do their research! I've answered this before, but I guess everyone needs another lesson. 1) If you pay off a derogatory debt, all the creditor is required to do is update the account to show "paid", or worse "settled for lessor amount". This does NOT delete negative information about charge offs, collections, or late will still be a bad item on your report and it will hurt your score. 2) The way the FICO scoring method works, recent activity on your credit report looks much worse then old accounts. When a collection goes on your history, there is a major impact. But as time goes by (3-4 years) the impact is not that great. But when you pay off a debt, you have now turned that old account into recent activity. Even though you pay the debt, it will actually HURT your scores. Ask any professional lender and they will confirm this. Many mortgage brokers tell their clients they must pay off their old debts before being approved for a loan...but DO NOT pay until the last second..or better yet include it into the closing of your mortgage. Otherwise, the impact on your credit score will make your interest rate worse once it has been approved. Therefore, you must follow Cody's advice. Get the creditor to agree mississippi WRITING to DELETE the entry from your credit history once the debt is paid. Otherwise, DO NOT pay it! Why on earth would you pay a debt and not have it help you in some way? That's crazy talk!!! Now, I know there are a lot of debt collectors out there reading this, and you will be sending me your nasty letters telling me this is illegal, you can't delete accurate information. It's against the law. Wrong. I am still waiting for you guys to send me ANYTHING that says such a thing. The law says a creditor can delete any item that is theirs. And there is nothing in the credit bureau's agreement that prevents it....I know, I've read it. So save your Email's unless you can prove otherwise, OK?

    Derogatory Account

    Although, Studly and Cody and the people that agreed with them, I'm writing this as a testimonial to what they're saying. I recently cleared an issue with a collector and was able to get in writing that not only the debt was paid in full, but it was also no longer "reporting to any credit reporting agency". So yes, it's absolutely true. If you're familiar with the statute of limitations on collecting debts, it possible that you may be able to negotiate for a much lower price in addition to getting it removed. In addition to getting a copy faxed to me, I also requested that a formal letter on their company letterhead be sent as well. I'm more than willing to show the letter if you're still skeptical, but I'm sure that Studly, Cody, and everyone else has convinced you enough.

    Pay off any derogatory accounts. It may not have a "significant" impact on your credit score, but it is sufficient to cause a lender to either avoid a relationship with your or to choose to extend credit to you at a high interest rate. Your score may not reflect the pay-off for as long as six months.

    Derogatory accounts continue to be listed on your credit report for years. You should pay them off. Negotiate with them to either pay a percentage of the balance or to make monthly payments you can afford in return for them not reporting it as derogatory but as current or settled. Make sure you keep up with the payment plan. In some rare cases, the statute of limitations can expire on some debts. Check the website for more information on this and your credit report. You can also issue a written statement on all three of your credit reports if these debts are questionable. These derogatory things on your credit report can follow you for at least 10 years. If you want to buy a house or car, you need to get this fixed or you will be paying interest higher than the person next door for years. Federal Trade Commission

    For the best answers, search on this site not pay anything on something that will come off the report in June. Wait. If you try to settle it, you will end up paying huge amounts of interest. If you go to a debt correction company, they will charge you a bundle and then get you a settlement. If the debt is for 10,000, and you only pay 2,000, you will get a 1099 and need to pay a lot of taxes for the 8,000 in "debt forgiveness." Be prepared that everything you apply for credit, the people who own the loan (no longer the car company, it had to have gone into collections at some point) will come after you. Ignore them. They will try to scare you, but after 7 years, they can only get you for student loans and taxes.

    This Site Might Help You. RE: Is there a significant benefit to paying off a "derogatory" account? I have several credit card accounts that were charged off a few years back. Some are listed as "paid in full", some are listed as "paid - settled for less than full balance", and some are listed as '"derogatory" with a balance due. If I were to pay off the...

    According to a free handout I recieved from Credit Unlimited ( and Perfect Your Score ( "If you do pay these off, it might LOWER your score. (It definitely won't help it.) If you DON"T pay them off, it's hard to get them deleted - and sometimes, they reappear later. The answer: pay or settle the debt on the condition that the company DELETE the listing from your report (not just show it "paid") Be sure to get the agreement to delete mississippi WRITING before you pay. (Sometimes they'll say they can't delete, but they're full of malarkey. Talk to the right supervisor and it'll get done.)"

    I wanted to add something to what " Mr. Studly" pointed out in regards to getting a deletion of a negative entry. Another way of getting them to " delete " the negative entry is to get in writing from the creditor that they will not respond or validate any dispute that you make on that particular debt to all 3 of the credit bureaus. If you dispute a debt and the creditor doesn't respond with in 30 days then the entry is deleted.... or it is suppose to be deleted. .... Although I had a creditor take 45 days to respond to one dispute, I had to fight on that one. Anyways, getting them to not respond is another way to get a deletion with out asking them to lie. Your simply asking them to ignore it. Also remember creditors won't do this as the other guys pointed out unless you have paid the debt. GET IT in writing and before payment is made. It is a little loop hole sometimes that works. Kourtnie Donihoo Prosperity Financial

    Shawn: Cody and Studly are absolutely correct! If the collection agency does not agree to delete the derogatory account, don't pay it. If they do, GET IT mississippi WRITING!

Delia Feil
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