OneMortgageGuy wrote:Whatever lender you are working with should be able to remove any paid collections that are still reporting within 48 hours.
For everything that is current keep it current.
Have any mortgage brokers, lenders, banks, etc. pulled your credit for a home loan? Don't let them! If the CAs see "Mortgage Lending Made Easy, Inc." on your CRs, then they know you're home shopping and they won't yield one bit.
Don't apply for any new credit.
For the medical collections, paid or not, are any of them on debts the provider failed to submit to insurance? If you don't know, find out. Is it your current medical insurance? Call them or check their website. You can likely see claims from this year, last year, and possibly even prior years. When you call, give them the name of the original provider (Dr. Peter Venkman, Seattle Grace Hospital, etc.) and the date of service. If there's no claim from that provider on that date, ask the insurance company whether the provider has a time within which they must file a claim or absorb the loss. Sometimes the insurance company reps are all too eager to call a provider and set them straight on improper billing practices.
For anything where there's lates only, GW.
For anything that's unpaid, do PFD.
Keep your CC util between 1 and 9 percent.
For JCPenney/LVNV, are they PIF? If so, then GW the OC. If not, then PFD the OC.