Need some really good advice on how to execute my plan

Feb 242011
 

So I have been lurking around the forum for a few weeks trying to get as educated as possible. Being as new to this as I am, I’m still really confused and frustrated. I ran up a lot of bad credit when I was in my late adult teens-early 20s and now it is coming back to bite me. I admit to each and every debt that I have, but I haven’t exactly had the funds to pay them (until now) or I have completely forgotten that they were there. I’m trying to get my credit in order b/c my husband and I really want to have a house in 2 years. I really don’t want my carelessness as a dumb kid to haunt me forever. Here is the breakdown of my credit report:

 

3 apartment bills- all PAID

2 medical bills-  totalling $1187 (still within SOL)

2 cable bills- both PAID

Capital One C/O- $745 (still within SOL)

Scholastic- $44 (still within SOL)

Columbia House- $107 (still within SOL)

medical bill- $50 (NOT within SOL)

 

Any advice as to how I should tackle these? I am thinking that I need to send Goodwill letters to all of the paid collections, wait until I have the money to PIF for PFD on all of the collections that are withing the SOL. Which ones should I start with. Should I pay off more of the smaller amounts so I don’t have as many individual collections on my credit report or is it the large balance accounts that are hurting me more? And what about the medical bills? I keep hearing people mention HIPAA? Now I know that there are some accounts that are small and I could easily just pay, but I want to make sure I am doing the right thing to get this stuff off my credit.

 

Also, I just applied for a secured credit card that I will use for groceries and gas (which are budgeted every week).

 

Any advice is happily welcomed! :)

 

PFD saga, just started

Feb 222010
 

I have just begun sending PFDs -  well, and one DV and a GW.  Here is the breakdown:

 

NCO Financial – says I have a 120 days late, I’ve never heard of them, so I sent a DV. 

Accurate Account Solutions -  $98 for Wright & Filippis (DOFD 12/2005) 

L J Ross Associates – $77 + $183 + $52 – University of Michigan Physicians (DOFD:10/04, 12/04, 12/05)

UCB Collections -  $84 – University of Michigan Medical School (DOFD: 7/08)

Ann Arbor Credit Bureau – $98 balance on $920 + $830 – (for a Towing company, with judgement) (DOFD 4/06 & 9/03)

Merchant’s & Med Credit – $188 for TCF, paid

 

I did not follow HIPAA process, because I didn’t find out about that before sending out my PFDs and now it looks like there is some controversy about whether or not it risks getting you deeper into trouble.

 

I sent PFDs for the full amounts from my CRs, all CMRR

So far: 

AACB refused the CMRR, but I think that may be because I addressed it to a specific person.

L J Ross sent me an accounting – 4 items (not the 3 I saw on the CR), totalling $327.49

Merchant’s & Med Credit sent me 2 identical letters saying “This is to confirm the above listed account was paid in full or settled on 8/29/07″

 

What is my next step?  I am wondering if it would be better to deal with the attorney instead of AACB.  I am thinking about sending L J Ross a new PFD with the updated amount….any suggestions? L J Ross’s letter was dated the same day as they signed for the CMRR, so it didn’t take long for them to respond, but that response was confusing.  Do I continue to send everything CMRR? 

 

Thanks. 

Does anyone know of an auto insurance that have Mechanical Breakdown Insurance?

Jan 212010
 


I know that Geico has also, but other car insurance you? 谢谢. If there is a good car insurance at a reasonable price?

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