hey guys you may remember me from a house buying thread a while back well i want to round up all of my credit card bills and whatever other bills may be out there affecting my credit and pay them off or at least start paying what i can i need to pay them because they are never going to go away how can i round up these bills because im not even sure what i have out there will this positively affect my credit any
Fell free to sprinkle some punctuation in there at your leisure... a comma or period, maybe? You don't know what bills you have? I don't get it?
You can always get a free credit report. It should show any outstanding obligations you have as well as current stuff.
It is quite possible for folks to have paid off old bills, but they were late at some point (or something negative happened) and those companies may still have negative items about them on their credit report. I suspect there are a number of folks on this BBS alone who, unknowingly, have negative things in their credit report that they don't know about. Perhaps that is what the original poster was referring to.
Or, one the other end of the spectrum, there might be debts that were defaulted on that one wishes to pay off now but be unaware of what, specifically, those debts are. When I got divorced, we ended up just defaulting on several debts (mostly credit card-related). After a while, all those folks gave up on trying to find me, so I didn't know who I still owed or how much. As it happened for me, I was up for a job in the insurance industry, and they said I couldn't be employed by them while I still had all this bad debt outstanding. So, I got my credit report, called everyone and made deals to get the debts paid off. As it turned out, the bad debt thing was apparently just an excuse (they likely figured I didn't have the financial wherewithal to pay off what amounted to $5K or so in debt in the course of a week or so) because they didn't end up hiring me even after I settled all the debts. But going in to that experience, I really had no idea what I owed or who I owed it to since the debts were, at that point, several years old (I think four years old at that point).
Don't worry Dookie Sandwich, you can round up your bills as much as you want. Your creditors won't mind a lick. If you owe $6,397.56 on your Visa bill, go ahead and call it an even 7 large and your bank will be ok. In fact, why don't we round up that $5.34 you owe me for lunch and call it an even 100? Deal?
