Judgments

Mar 012011
 

I have a judgement with Midland Funding LLC in the amount of $2,982. I want to have this paid off in the next 10 months, what is the best to go about this? I can pay $250 a month. Should I contact them on the phone regarding thing this since it is a judgement, or should I wait until i can pay in full?

settlement

Feb 252011
 

When offering a settlement what is the best way to do so? How much off the debt would be a good amount to ask?

Can I Get A Answer To This Please.

Feb 072011
 

I have several items that are not moving off my reports that are mines. I have very low scores, and would like to know what is the best way to raise my scores.Should I apply for secured credit card? And if so who is the best to rebuild my credit.NEED HELP

Looking to repair my credit score

Jan 162011
 

My fiance and I are wanting to buy a house since we now have a little one on the way, we were wanting to do it about April of 2012, to give us some time to get our finances/credit in order. My scores are all in the high 500′s, low 600′s. What’s the best way to repay some of this past debt, and get the things off there that shouldn’t be on there to begin with.

 

Here are the goods that are on my report

1. I have had a CC with a $500 limit for about a year now, how should I best utilize to increase my score the most

2. I have two separate accounts with a Lease to Own company (think rent-a-center) one for $1,147 and the other $1,686 both PIF no lates etc.

 

Listed below are the baddies listed on my report

 

Equifax

1. I have a student loan that is listing from the OC and CA is there a way to get at least one of those of f my report? It’s currently PIF. DOFD 7/2004

2. I have a collection account for $239 that I need to pay. would it be better to ask for a PFD or just make the payments and leave it on there. DOFD 03/2005

3. a medical collection that just showed on my report for $881. I know for a fact that this bill has been PIF to the OC without it even being late. Can you DV a medical collection? DOFD 9/2010 (at least that’s what’s showing on my report)

4. collection account for $80. DOFD 07/2006. I’m thinking a PFD would be best for this one.

 

Transunion

1. the same collection acct as #4 from EQ

2. same student loan from #1 EQ

3. same collection acct as #2 EQ

4. Medical collection account for $219 that I’m not sure what it is. DOFD 1/2006

5. Medical collection account for $4,082 that I know I owe, but what’s the best course of action for this DOFD 6/2006

6. Medical collection account for $1,591 that I know I owe, but again, what’s the best course of action? DOFD 6/2006

7. Collection account for $97. Is PFD the best option? DOFD 10/2008

 

Experian

1. same collection account as #4 EQ

2. $3,269 bill for when I was “evicted” from an apartment, this went to court and the complex dropped the suit because they were in the wrong, how do I get this off my report

3. Same student loan as #1 EQ

4. same collection account as #2 EQ

5. same medical collection as #6 TU

6. same collection account as #7 TU

7. same medical collection as #3 EQ

 

 

 

Best Option if you can PIF?

Jan 042011
 

I want to pay off my items in collections in full, if I have to, to get them taken care of and eventually better my credit.

 

What pitfalls do I want to look out for, or what do I want to get from the CA’s and OC’s to put myself in the best postion for the long run?

 

Keep in mind that I have the money to PIF, and have no problem going that route to get the best result.

 

These are not medical related bills.

 

Thanks!

7 year item drop off

Oct 222010
 

I have one baddie that will hit 7 years in 2 months, and 3 baddies that will hit 7 years in 8 months. What is the best way to dispute them with the credit bureaus to see if I can get them removed early?

A creditor called my husband at work today. He is not happy. What should I do?

Oct 122010
 

Would you individually call each cc company and tell them not to contact you at work or send a certified letter? He told the guy who called him at work never to call him again at work. Funny they even called. We are only 60 days late and they have only called the house phone once.

 

What is the best way to handle this?

Paid Collection

Oct 012010
 

Have a collection status paid/closed from Comcast via Credit Protection Association (CPA).  Whats the best way to handle this? New to this forum. I dont know the accronyms. Im sorry. But, would really appreciate any help or guidance with this. Thanks in advance!!!

Goodwill Question

Jul 312010
 

I’ve read quite a bit of the threads here and I can’t really find the best approach for addressing goodwill letters. Most of my negative entries are for credit cards with one car repo.

 

Should it be sent to the OC? If so, which address? The main office? The collections office?

 

I also want to remove an entry of a CA that sued me (after I made an offer to settle – what jackasses!!). What is the best way to goodwill those folks.

 

Any ideas/suggestions would be great, thanks!

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