Credits and mortgage page 7

Pass on the good karma or take heed of the credit crunch?

What are interesting questions about credit cards?

When purchasing car insurance and credit cards what questions would you ask?

Credit card smarts, can someone help me with these questions about credit cards?

Bad Credit Mortgage Refinance : Where can I find the lowest interest rate for a mortgage refinance?

What is the average mortgage interest rate for bad credit in the US, in this economy?

how do you get a mortgage with bad credit an a small amount for a deposit?

If I break a lease because rental property is being foreclosed, will it be reported on my credit score?

What is the minimum credit score to lease a car?

About 3 years ago, I was finishing my last semester of college. I couldn't afford to pay the tuition for that semester. Eventually my records were frozen, my school email was closed, and since I had no way to get the money, I assumed that I had dropped out. I was too embarrassed and disappointed to even check-in with the school. I just never went back. I'd done all the work for my final project (that's the only class you enroll in for your final semester). I had a 3.8 GPA and had paid the $30 graduation fees. I ran into a teacher/advisor on the street a few months after I'd left the school. They assumed I had not graduated. Awhile later I started getting letters from Enterprise Recovery Systems. They had the correct amount that I owed, but weren't accredited by the bbb and had a lot of shady things written about them. I didn't pay. They stopped calling and sending letters after a month. I tried to check my credit today. I've never actually checked it for myself before, just avoided thinking about it altogether because of the Enterprise letter and my loss of finishing school. The report had nothing on 2 out of 3 main places. On the third place, it said they couldn't give me my report because possibly my credit was frozen. The site said to mail photocopies of all my IDs and SS cards etc. From the time I was supposed to have graduated until now. I've been getting alumni letters and "since your graduation in 200x" letters from the school and from my department. But I never thought about it much until today. I went to the school's site and used a link to verify my graduation. The record came back and said that I graduated. So I don't know. Really overwhelmed. Where do I even start? Did they make a mistake? Did the department chair let me graduate anyway? It was a tight department, less than 40 people in my graduating class. I don't understand. And I would like to deal with my debt. That's why I tried to check my credit in the first place. But, I know the clock would restart if I called either the school or the collectors. And am not clear on whether the payment itself would stay on for seven years. I don't quite know what I'm doing, so I don't want to just restart clocks without facts. If I didn't graduate, well that's how I've been living anyway. But if I did graduate, I would like to pay what's due, unfreeze my records, get my transcripts, and get my diploma if I really have one. And it would just mean a lot. A college degree. It’s just so much. I don't want to steal the degree if it's not real. But I don't want them to find out about a mistake either. I can't even weigh the ethics and the unknowns. Just a little taken aback. I don't know what to do. Any knowledge and/or advice would help...thanks

I think you should check with the school because they can't just strip you of you degree or graduation. If you school link states that you graduated then I think you should assume you graduated and be proud. Ohh yeah that 3.8 is excellent, that's hard work. In terms of your debt I think you should try to borrow money from one of you immediate family member because you degree is a great investment especially in today's economy. Hope that helps and good luck.