@bubbles0605 wrote:
ok this is going to sound horrible but here goes.........This is from Ex.....
BofA sc- charge off 387.00
collection- recent- medical-180.00
collection-2013- medical-310.00
collection-april 2012- 523.00
collection-comcast-618.00
electric company- chagred off-removal date 06/2019- 12,497
premiere card- dofd 08-2015- 492.00
Persian (auto loan) says in good standing but I know its not. 7700.00
Santander- auto loan-repo removal date is 08/2018- 8230.00
crown jewelers- 211.000 removal date 03/2016
Thank you for any and all help!!!
You and Hubby need to agree on a Goal fist.
Then you need to have a Plan.
The decisions above will revolve around, where you are now, where you want to be, when do you want to be there, and your current funds.
If I were young, I would tackle similar to the following
Goal: Have most Badies removed by 7/2019
Plan: Focus on removing collection accounts from credit report that would remain after 7/2019. Maintain all good and new tradelines here forward. with this approach you would be focus on PFD on some of the newer medical collections, and you have plenty of time to do so. With the amount of some of these collections, I would be apprehensive waking creditors or collection agencies up if they haven't reported for a long time.
There are lots of different ways to tackle this, including maintaining all good and new tradelines and waiting all the collections out for 7 years. The point is to be realistic. It can take two to four months to get a collection removed when considering negotiation, funds, deletion verification etc.
Basically let these drop, don't wake any of these creditors
electric company- chagred off-removal date 06/2019- 12,497
premiere card- dofd 08-2015- 492.00
Persian (auto loan) says in good standing but I know its not. 7700.00
Santander- auto loan-repo removal date is 08/2018- 8230.00
crown jewelers- 211.000 removal date 03/2016
collection-april 2012- 523.00
Focus on PFD for these accounts one at a time for the next couple of years
BofA sc- charge off 387.00 - Not sure you will be able to remove this, no experience with charge off. Depends on date of removal..
collection- recent- medical-180.00
collection-2013- medical-310.00
collection-comcast-618.00 - Depends on the date of removal...
Good Luck
