Questions on credit card debts?

Vroum-Direct said:
À moins d'avoir endossé la personne, paie pas. Mais si tu vie avec, tu vas vivre les répercussions si ça se ramasse en collection. Les gens sont payés si ils collectent, sinon pas d'argent donc ils vont te pourrir la vie si ils ont ton contact.

If it's your girlfriend, leave that bitch, she is not even able to take care of such a small debt so it will be impossible to live a life and have project with her. Geez 800$ that's nothing.
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C'est juste la valeur du bois de baobab dans lequel est taillée l'allumette avec laquelle j'allume le billet de 100 que j'utilise pour lighter mes cigares
 
Vroum-Direct said:
À moins d'avoir endossé la personne, paie pas. Mais si tu vie avec, tu vas vivre les répercussions si ça se ramasse en collection. Les gens sont payés si ils collectent, sinon pas d'argent donc ils vont te pourrir la vie si ils ont ton contact.

If it's your girlfriend, leave that bitch, she is not even able to take care of such a small debt so it will be impossible to live a life and have project with her. Geez 800$ that's nothing.
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Leaving is not an option. Maybe I can hold out as long as possible for the credit rating to r8 - r9. How long will that take?
 
NoTop5.0 said:
Leaving is not an option. Maybe I can hold out as long as possible for the credit rating to r8 - r9. How long will that take?
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Mon chum : lâche MR un peu et va lire là https://www.ic.gc.ca/eic/site/oca-bc.nsf/fra/h_ca02144.html

Et si tu as des questions appele Equifax demain dans les heures d'ouverture. Si tu veux parler à un agent choisis l'option "on vous a refusé du crédit? ".

/thread /commentaires imbéciles qui vont te nuire MR style
 
NoTop5.0 said:
ok, how long to reach r8? about?
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There is no standard. R8 is "Repossession"

R0: Too new to rate; approved but not used.
R1: Pays (or paid) within 30 days of payment due date or not over one payment past due.
R2: Pays (or paid) in more than 30 days from payment due date, but not more than 60 days, or not more than two payments past due.
R3: Pays (or paid) in more than 60 days from payment due date, but not more than 90 days, or not more than three payments past due.
R4: Pays (or paid) in more than 90 days from payment due date, but not more than 120 days, or four payments past due.
R5: Account is at least 120 days overdue, but is not yet rated "9."
R6: This rating does not exist.
R7: Making regular payments through a special arrangement to settle your debts.
R8: Repossession (voluntary or involuntary return of merchandise).
R9: Bad debt; placed for collection; moved without giving a new address or bankruptcy.
 
If you wait 6 years and do not pay a dollar, the debt gets stat barred and falls off your credit. You may have to call Equifax or transunion to have it removed.

You get a r9 on your bureau for not paying after a few months. Your best bet to recover from it is to pay it in full and not accept a settlement.

If you keep your debt in house and make arrangements they might reactivate your card. If you go R9 that means it was sent to a 3 rd party collection agency and your will have trouble when you re apply.
 
Vroum-Direct said:
There is no standard. R8 is "Repossession"

R0: Too new to rate; approved but not used.
R1: Pays (or paid) within 30 days of payment due date or not over one payment past due.
R2: Pays (or paid) in more than 30 days from payment due date, but not more than 60 days, or not more than two payments past due.
R3: Pays (or paid) in more than 60 days from payment due date, but not more than 90 days, or not more than three payments past due.
R4: Pays (or paid) in more than 90 days from payment due date, but not more than 120 days, or four payments past due.
R5: Account is at least 120 days overdue, but is not yet rated "9."
R6: This rating does not exist.
R7: Making regular payments through a special arrangement to settle your debts.
R8: Repossession (voluntary or involuntary return of merchandise).
R9: Bad debt; placed for collection; moved without giving a new address or bankruptcy.
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ok, thanks, so about may june i think i have to fork over cash. Does the card stay active you think (after payment)
 
RedOne_SI said:
If you wait 6 years and do not pay a dollar, the debt gets stat barred and falls off your credit. You may have to call Equifax or transunion to have it removed.

You get a r9 on your bureau for not paying after a few months. Your best bet to recover from it is to pay it in full and not accept a settlement.

If you keep your debt in house and make arrangements they might reactivate your card. If you go R9 that means it was sent to a 3 rd party collection agency and your will have trouble when you re apply.
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thanks, i want it to get to r9 or r8
 
Appeler equifax? Pas moyen de parler avec qqn d'intelligent la bas... C de l'ostie se marde Equifax.
 
Pas mal de monde qui semblent savoir de quoi ils parlent.
Moi qui pensait qu'il y avait juste des ballers pas de dettes sur MR....
 
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