I need a plan!

[Anonymous]

Ok guys I am as much a noob as someone can get when it comes to credit.  I have been very negligent with my credit and now I am engaged and we are looking to buy a home.  I have spent 6 yrs in the marines and I was planning on using my Va loan for our mortgage loan.  However I have learned that my credit score is 590 and all the lenders I have spoken to won't do anything unless I am at least in the 600 range.  I just need to know how to go about getting some of the negatives off my score so I can raise it the required points.  I have read about the PFD and I am assuming that is my only option at this point, however I don't want to make it worse.  So I guess my question is what should I do and how to begin? I know it is a long post, but I really don't know where to start.  Should I pay all of the smaller ones and leave the larger ones?  Or should I focus on the larger accounts?  Any info would be much appreciated.

Negatives:1. HUNTER WARFIELD/199 (EFX-*,XPN*,TUC*)
I 06-10 N/A 1452 Y-9 COLL/P&L 12-11 - - - 15
Hist: 12-11 LACT 12-11 APP
Ctgy: COLLECTION Term: REV
CN: WESTLAKE RESIDE
UNPAID
ACCT SUBMITTED TO COLLECTION COLL 10-10
PAST DUE PAST $1452

SECURITY CREDIT SERVIC/(EFX-*,XPN*)
I 10-10 -0- N/A 677 I-9 COLL/P&L 11-10 00 00 00 39
Hist: 11-10 9----------------------- LACT 09-07 APP
Ctgy: COLLECTION
ACCT SUBMITTED TO COLLECTION COLL 11-10
PAST DUE PAST $677

LVNV FUNDING LLC/ (EFX-*,XPN*,TUC*)
I 08-11 409 N/A 409 I-9 COLL/P&L 11-11 00 00 00
Hist: 11-11 9----------------------- LACT 07-06 APP
Ctgy: COLLECTION
ACCT SUBMITTED TO COLLECTION COLL 11-11
PAST DUE PAST $409

NCO FIN/09/2094 (EFX-401YC*,XPN*,TUC*)
I 09-09 344 N/A 344 Y-9 COLL/P&L 02-11 - - - 17
Hist: 02-11 LACT 10-09 APP
Ctgy: COLLECTION Term: REV
CN: RELIANT ENERGY
UNPAID
ACCT SUBMITTED TO COLLECTION COLL 10-09
PAST DUE PAST $344

6. VERIZON WIRELESS/GREAT/ (EFX8*,XPN*,TUC*)
I 01-10 316 316 316 O-9 COLL/P&L 11-11
Hist: 11-11 LACT 06-10 APP
Ctgy: COLLECTION Term: REV
ACCT SUBMITTED TO COLLECTION COLL 03-11
TELECOMMUNICATIONS/CELLULAR
PAST DUE PAST $316

7. FIRST PREMIER BANK/ (EFX-*,XPN*,TUC*)
I 05-04 355 0 -0- R-9 COLL/P&L 02-09  11-06
Hist: 02-09  PYMT 05-06 APP
Ctgy: CREDIT CARD Term: REV Lmt: 300
Lates: ADDT'L LATES PRIOR TO 2-07
ACCT SUBMITTED TO COLLECTION COLL 12-06
CHARGE OFF CHRG $288 CHRG 08-06
CREDIT CARD

[Scope27]

Even though the acct numbers are partial I do suggest editing them out of a public forum.

How much time are you looking at getting the scores up.  Have you tried to send debt validation letters (DV).  My advice is try to PFD what you can right now.   Do you have any open tradelines right now.  If not, get a secured credit card and that may boost your score up.  Last May I was 587 and one credit card brought my score close to a 620.  If you call the creditors and a frontline CSR cannot authorize a pfd(which they usually cannot) ask to speak with a supervisor and if that doesnt work try to get someone higher that has that authorization.Remember to get everything in writing before you pay and a letter stating it will be deleted after you pay.

[Anonymous]

Thanks for the advice. To be honest I was not even sure which numbers were the account numbers. I think I deleted them out.  Anyway I have looked up examples of the DV and PFD letters and I was wondering how you find the address to the CA in order to mail them, or can you send them via email?