2 baddies on CR, need advice

[mmunsee]

Hey all,

I have 2 baddies on my CR.  My goal is to buy my first home in 2 years, so I need to deal with these baddies.

Account type: Collection Department / Agency / Attorney

Balance: $2,968.00

Date Opened: 7/1/2010

I don't have the funds to pay this one off, is there other options to take care of this and get it deleted?

Account type: Collection Department / Agency / Attorney

Balance: $562.00

Date Opened: 1/1/2010

Any help or advice would be greatly appreciated

[mmunsee]

The 2,968.oo was last reported december 2013, so i think this one is still hurting my score pretty badly

[Whitneyy]

Hello,

I always start with the smaller debts owed. If I can't afford right now, I pay small payments biweekly.

[Whitneyy]

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@mmunsee wrote:

The 2,968.oo was last reported december 2013, so i think this one is still hurting my score pretty badly

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If it's still reporting yes, it is. 

[mmunsee]

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@Whitneyy wrote:

Hello,

I always start with the smaller debts owed. If I can't afford right now, I pay small payments biweekly.

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Whitneyy,  For the larger debt, can I pay that off in payments or do creditors require one large lump sum?

[Whitneyy]

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@mmunsee wrote:

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@Whitneyy wrote:

Hello,

I always start with the smaller debts owed. If I can't afford right now, I pay small payments biweekly.

---

Whitneyy,  For the larger debt, can I pay that off in payments or do creditors require one large lump sum?

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They want their money! I have a debt that is 2,306 and I'm only paying 85$ bi weekly on that because that's all I can afford and they are greatly taking it and will delete when I'm done. They even offered me to settle after I get lower in payments and STILL delete. 

[mmunsee]

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@Whitneyy wrote:

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@mmunsee wrote:

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@Whitneyy wrote:

Hello,

I always start with the smaller debts owed. If I can't afford right now, I pay small payments biweekly.

---

Whitneyy,  For the larger debt, can I pay that off in payments or do creditors require one large lump sum?

---

They want their money! I have a debt that is 2,306 and I'm only paying 85$ bi weekly on that because that's all I can afford and they are greatly taking it and will delete when I'm done. They even offered me to settle after I get lower in payments and STILL delete. 

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Of course they want their money LOL.  what about settling with them for a smaller amount? and then make payments?

[Whitneyy]

I was saying, that I don't think it matters when you pay them as long as you do. And you only do settlements if you can't be sued for the enitre balance which means you are out of the SOL.

[mmunsee]

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@Whitneyy wrote:

I was saying, that I don't think it matters when you pay them as long as you do. And you only do settlements if you can't be sued for the enitre balance which means you are out of the SOL.

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I am new to this, so what does SOL mean?

[Whitneyy]

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@mmunsee wrote:

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@Whitneyy wrote:

I was saying, that I don't think it matters when you pay them as long as you do. And you only do settlements if you can't be sued for the enitre balance which means you are out of the SOL.

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I am new to this, so what does SOL mean?

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Statue of Limitations. Look it up by your state.