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! :)

 

Point me in a direction please

Jan 182011
 

I have several medical collections some are still within the SOL and a couple are not.  I owe these to a hospital, and they are not paid and show a balance on my CR.  Also,  I have paid a few already (before I found this site) to the CA.  Can I still do the HIPPA letter series or what is my best course of action?  I did send PFD letters to the CA reporting but haven’t heard back from them.  Thanks

Help with CashCall Settlement – Need Advice!

Dec 092010
 

Hi guys,

 

I have an old loan with Cashcall (I know, stupid move) that was charged off in July 2007. DOFD is March 2007. It is still within SOL (4 years in my state). I have been receiving several emails from them for the past year attempting to settle the loan with me for $650. I am now coming into some money and would like to take care of this but wanted some advice.

 

Has anyone had experience settling with Cashcall? I want to offer them a settlement and in return have them remove the charged off status and hopefully remove my lates as well.

 

I know that it will officially be out of SOL in a few months but I am planning on buying a new car (current car’s transmission is shot) and need to get this cleared up asap.

 

Any advice?? I appreciate your help guys!

Comcast Collection, Can I DV within SOL?

Mar 062010
 

I am trying to help my gf to rebuild her credit. She has a Comcact bill ($78.00) that went to collection – Credit Protection Association, that she never knew of. 

DOLA is Oct 2008 and I am pretty sure it is still within SOL, since California is 4 years if I am correct. Is it still recommended not to DV and PFD? Do we have any other option?

 

 

 

AMEX C/O MIA … weird

Mar 032010
 

Pulled report today and discoverd my AMEX CO disapeared from the reports in all 3 CRA.

Only CA assigned shows. And no, I’m still within the 7.5 years of DOFD

 

Very weird….

Message Edited by GordonShumway on 03-02-2010 05:52 PM