I have a few questions. I new and trying to clean my credit. Sorry for the lengthy questions. 1. Do Finance Companies Hurt your score? I have 2 finance Companies and they post when you refinance your loan, so whenever you do it makes another tradeline. I have about 8 with one company and about 8 with another one. So I have about 16 tradelines. 8 for 1 company and 8 for another. They are all paid except 2 each( All good Standing) Does this Kill my scores? Should I have the companies delete the excessive lines? 2. Can I do anything about this. Got a Chargeoff in March, BUT before that I called in January to pay. They took 2 payments to bring it current. OK then I received in March notice that it was charged off, eventhough they took my payments which were cashed. My problem is I called to scream and was told that it was already in the process of being written off. So I said well why didnâ??t he rep explain that, since they wouldâ??ve saw in the system. They made an arrangement/agreement which I followed and you cashed my check. They sent to an outside agency and I disputed with the same complaint. The CA has tried ant threatened but hasâ??t tried putting on my credit or anything. My QUESTION Can I do anything or go to someone higher at the Original Creditor or Agency? 3. I want to know can someone pull you credit on behalf of another company? I have another debt which is under dispute for the last 2 years. I refused to pay it because it was a Employment debt. I get an inquiry and it shows who pulled it. I donâ??t recognize this company, and in the notes it explains Inquiry on Behalf of â??Companyâ? Is this legal?
