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03-12-2013 05:27 PM
All Right thanks for the replies everyone!
No problem...Just hang in there, some things just take a little time and hard work.
03-12-2013 05:28 PM
Are the all 27 Collections reporting on all 3 reports? Meaning, do all 3 of your CRs EACH have 27 collections?
If not, which of your CR's has the least amount collections showing? If you're trying to get a CC, I would try to apply to cards that pull your most favorable CR. You could also start working on your most favorable CR, and 3-6 months down the line start apping.
03-12-2013 05:42 PM
Thanks Bigman. No not all the collections are reported on all three reports. I know that for sure. Im not sure which is my most favorable I will have to sit down and look after I move in 10 days since my papers are packed up right now. Thanks for your input.
03-12-2013 11:49 PM
03-13-2013 01:07 AM
DO NOT PAY ANY MEDICAL COLLECTIONS WITHOUT RESEARCHING WHYCHATS HIPPA PROCESS FROM CREDITBOARDS.COM PAYING WITHOUT IT WILL SCREW YOURSELF. HIPPA PROCESS WORKS 100% OF THE TIME TO REMOVE PAID MEDICAL COLLECTIONS BUT HAS TO BE DONE PERFECTLY.
03-13-2013 02:50 AM
ok, this is my guess about what he is saying: when you're trying to pay off certain (or all) collection bills, you need to follow a set of steps, so as to safeguard yourself.
Are you paying them off so they'll delete the collections notations? You have to be 100% sure they'll not be posting a 3-6 year old collection to this year. This will just make the whole 7 year wait become much longer than it ought to be.
I am no collections expert, so I can't tell nor advise you what to do. There's another forums section that you should consult, and if you really want to be on the safe side, talk to an attorney, or an accountant or tax advisor. They will know a lot more than a group of guys (and women) on an internet forums. Most attorneys have 1 free initial consultant, so it's best to just make sure you're doing everything right, since this is a big problem that can potentially stay with you for a long time to come.