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I received a Medical bill for 15.00 from a collection agency. Five days after I receive the notice, I quickly paid the 15.00. This was a copayment after my insurance paid there portion. I really hate these copays, and I prefer the offices that collect them at the time of service because given my conditions these copays can cause problems. I made the payment to the collection agency on Aprill 5 2006. I check my credit report almost dailly and then I archive the old credit reports. ON May 8, 2006 I check my credit report and I see the 15.00 showing up as a paid collection.

This was on none of my credit reports. I went back and check my credit report from the April 3 through May 8, and this only appeared on May 8. I have disputed this and it has not been removed from my files. I am not sure if this is legal but it is extremelly malacious. I just dont know what to do.

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Having your credit card information stolen is bad enough. Sometimes the theft goes unnoticed until your credit card is denied at the register or you receive an eye-popping statement in the mail. However, when the thief adds some unintentional irony to the situation, the crime becomes especially puzzling.

One reader on The Consumerist shared his story of identity theft. Like so many cases, it all started with him noticing an unexpected charge on this credit card statement. In this instance, the charge was from credit bureau Experian. Upon further investigation, it turns out that the woman who stole the readers credit card information purchased credit protection from the credit bureau. The man was given a refund and, hopefully, he canceled his credit card.

Like many stories about identity theft, the victim found out about the crime by paying attention to his credit card statements.

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I went from working a full time job and holding ends together to becoming a full time student in an accellerated program and not being able to make ends meet at all. Unfortunately, the class schedule is so random no one in their right mind will hire me for a part time job. I have good credit but took out a $ 100,000 student loan to pay for school. Because of that loan I cannot find anyone that will consider lending that. The above mentioned $ 35,000 would be used to pay a few thingscar, credit card, two other student loans, and a couple of other things of that nature. If anyone has any ideas or suggestionsit would be appreciated.Its actually a flight school. You are right though, I cant imagine anyone dishing out 35k for a loan either. Thats why im looking for suggestions.Its actually a flight school. You are right though, I cant imagine anyone dishing out 35k for a loan either.

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Check out our weekly roundup, focusing on some serious, funny and outrageous stuff in the credit space.

Serious Stuff:

Facebook Friends Can Be Credit Score Enemies:  Adrienne Jeffries of The New York Observer wrote that “a new wave of start-ups is working on algorithms gathering data for banks from the web of associations on the internet known as ‘the social graph,’ in which people are “nodes” connected to each other by ‘edges.’”

The bottom line is that lenders may look at who you know as an influence on you and your credit scores.  Seems we may all be facing up to Facebook.

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Funniest Credit Score Tweet of the Week:

It’s funny my credit score, my blood alcohol content & high school GPA are all the same number (1.2)  comedian Ron White. Check him out here <

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I applied for a home loan and was given a rate of 5.0%, (I know really good but thats what it was.), and by the time our papers were signed it was back up to 6.0% in a matter of hours. Which makes a big difference in monthly payments, just thought that was strange maybe not?

Do you think companies will only pull your credit when you’re looking to make a purchase or sign up for new services? Think again.

The Consumerist reports on how a reader who called his cable company to downgrade his service and reduce his costs managed to avoid being blindsided by unforeseen credit consequences. This reader was in the middle of building a house and was trying to cut back on expenses. The cable company initiated a “hard” credit inquiry – the type that can lower your credit score – without the reader knowing.

The only way this reader knew his credit report had been pulled was because of a notification from a credit monitoring service. Had he no

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I am planning to take debt consolidation loan but want to know some information. How can I find the secured debt consolidation loan?

Unlike bankruptcy, in which debts are cancelled and your credit rating collapses completely, debt consolidation loans are essentially a type of refinancing, where several old loans are replaced with a new one that has more favorable terms.