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!
Message Edited by Xev0luti0nXx on 10-12-2007 02:31 PM
OK lets try again. your SOL is 6 years
DO NOT pay anything without a PFD......first you dispute with CRAs wait to see if it drops.....if verified send a PFD post their answer in here & someone will tell you if it is correct...then you pay, not before! (gas bill)
have you disputed old collections?
$726 med bill who is reporting the OC or CA? makes a differance how to handle also what year?
Loans:
Balance: 727 late payments? CL? are you making payments?
Balance: 605 - Gym Membership line of credit does CR show CL if so what is it?
now on PAID med bills......who is reporting and how is it shown?
