Not to sound harsh, but I don't think you could hurt your score where it sits now. Sorry. But let's think of this as a 2 part process, kind of like breathing. In with the good air, out with the bad. We need to get rid of the bad stuff and get some positive TLs going. So, next month, you will have less than $1000 in debt. Do you have any baddies that are paid off?
You will need to try for a PFD for anything unpaid, and GW for anything paid. This will begin to get the bad stuff off, then you can think of getting some positive TLs on your report.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
Read this
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
I'd send a DV using the Texas state statute. Just to make sure they still have the debt and it's legit.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
@Anonymous wrote:Okay I did. So to see if I'm understanding correctly. I should try to PIF and get them to remove the negative collection. Since I live in Texas should I send the the collectors a Notice of Inaccuracy first? Or just send a PFD?
CA are (if this helps any)
CONVERGENT OUTSOURCING - TimeWarnerCable
228.00
MIDLAND FUNDING LLC - T-Mobile
579.00
RJM ACQUISITIONS LLC/RJM - BankofAmerica
120.00
Regarding your CA's -- RJM and Midland are two that I am familiar with. I have contacts for both -- for RJM, they are the nicest CA's that Ive ever dealt with and you can EASILY do a PFD with them, if they are even reporting. I will share this contact with you and my story, just PM me if you're interested.
As for midland, as I said, I have contacts for them, but no success with them as of yet. I've made contacts, have an extensive list of e-mail addy's of diff folks in Midland, but have yet to get them to Delete. That may be because I have paid them already and now they have less incentive to delete, but u might have a beter chance!
Starting Score: 526 EXP 09/2012 600 FICO 10/2012 608 EX (lenderpull)11/2012