Xev0luti0nXx wrote:
I am new to the forums here and after reading severl posts I have a question of opinion for all of those who know what they are talking about here. I currently have a good job and steady income available to pay on debts and $1,500 to apply directly right now to help pay off. Here is what I have. CC: Balance: 398 Limit: 500 Loans: Balance: 727 Balance: 605 - Gym Membership line of credit Collections: 73.00 Gas Bill Paying off: 10/15/07 726.00 Medical Bill Previous Collection: $369 $122 $185 What I would like to know on the collection accounts is if I can negotiate a Pay For Delete and if I do, would I have to contact the OC and have them convey it to the CA? I also wanted to know if there is any shot in god's green earth if I can contact the OC of the previously paid off CA accounts to have them deleted. What I want to know is should I pay off the Medical bill in collections in one lump sum and apply the rest to my CC and Loans, or should I pay my CC and Loans down as much as possible and continue the $100/month payment plan I am on for my Medical Bills? My current Credit Score is 508. I have also recently paid off a Auto Loan that is still showing I owe $1,300 (which I paid this month and hasn't caught up with it). Can anyone tell me how having that balance removed from my total debt will effect my score? My Fiance' and I are wanting to buy a house in April/May of next year and in order to qualify for a First Time Home Buyers program here in Michigan I need to improve my score to 620 or higher. Any help is appreciated! Thank you!
For 1 thing what are the DOFD on all CO Are the bills all from this state?....if so your SOL is 6 years for all......
This is best way to post make it much easier to read!!
CC: Balance: 398 Limit: 500 UTIL way to high get it down to under 10%
Balance: 727 Balance: 605 is CL $727 Bal $605 same as above then
never be late or over CL on anything
Gym Membership line of credit Collections: 73.00 what is DOFD date? have you filed a dispute?
Who is reporting the OC or CA?
Gas Bill Paying off: 10/15/07 726.00 is this correct?? IF so date of DOFD??
FIRST dispute then.send a PFD....wait for an answer do NOT PIF before getting an ok on PFD!!!!! wording MUST be right....IF they accept type in their answer & people will tell you if it is good or not!!
IF you already filed a dispute send a PFD
Medical Bill Previous Collection: $369 $122 $185 Is this the med bills that you are making payments on???? IF so who to OC or CA?
if I can contact the OC of the previously paid off CA accounts to have them deleted
What is showing on you CR......is the OC reporting? the CA or both??? what dates and how is it showing PAID?
Look at your CR....dates (not report dates) but CO dates & DOFD dates are very important!! They tell us how close you are to SOL and CRTP
Auto Loan any late payments? creditors only post once a month...it will update then. No telling what or if it will help scores............my car payment shows obsolete on my CR
Message Edited by HappyDays on
10-12-2007 11:05 PM
