topic The last ones are always the toughest... need suggestions in Rebuilding Your Credit

The last ones are always the toughest... need suggestions

Chanel3 — Wed, 10 Oct 2012 22:28:22 GMT

Through the help of this board I've been able to tackle my issues. Aug 2011 my score was in the high 400's (eeek!, I know), I recently just entered the 600's.

When I first started I had upwards of 16 baddies; here's what's left- could use some help on how to continue tackling these:

FPB - CO- $345 balance. Set to fall off 6/2015

FPB - CO- $320 Balance. Set to fall off 8/2015

HSBC - CO - $0 balance. Set to Fall of mid-2015 (see the pattern here)

Mercantile Adj Bureau (Experian Only) - $345 for old utility bill. Refuses to respond to emails and letters.

3 seperate US Dept of Ed loans- ACS was servicer (they transferred to new servicer). Consolidated loan then split into 2 seperate loans when they changed their reporting system.

If anyone has any helpful contacts or suggestions- feel free to PM me. Great team here! Thanks

Re: The last ones are always the toughest... need suggestions

Shogun — Wed, 10 Oct 2012 22:31:45 GMT

I am assuming that these accounts are outside the SOL of your state, if they are, include that in your PFDs. "I realize that these accounts are outside the SOL, however in a gesture of GW, I'm willing to pay them if you are also willing to give a gesture of GW and delete them when paid." See if that gets their attention.

Re: The last ones are always the toughest... need suggestions

Chanel3 — Wed, 10 Oct 2012 22:38:49 GMT

I have lived in 3 states since I opened this account- MA (where account was opened), NY, and now CA. Which state's SOL should I use?

Re: The last ones are always the toughest... need suggestions

Shogun — Wed, 10 Oct 2012 22:40:25 GMT

I know the original one when you opened the account and the one you're living in now. They can use either one.