@Anonymous wrote:
My scores are on the bottom and are according to myfico. They are up substantially from last summer where they were in the low to mid 500's. I currently have 3 collections reporting, one for $25 medical that is paid in full but sill sits on the report because I could not get an agreement to PFD with them even though they had been sending the bills to the wrong address for years apparently. I also have two credit cards in collection from HSBC one for 800 and the other 642. They age off in 2017 and the SOL in my state ends on these next year. I am in the process of negotiating with the collector who has the $800 debt to resolve for 200 to 300 bucks. I am hoping resolving this will help. If so I will do the same with the other so then all of my collections will be resolved. I have some 30 day lates over the past couple of years but none for about a year. Finally I have two public records, a california tax lien that was paid off the day we learned of it and an IRS tax lien for 30k that is currently being paid down through an installment agreement and has a balance of $15k. We are prioritizing the IRS lien but we know it will stick with us for many years to come which is a bummer. We don't qualify for the program that would remove it becuase we once defaulted on the installment agreement.
Well thats our story
The public record hurted the most when I had owed taxes. I paid it and got them to remove it just by asking. The medical wont hurt so much after the new roll out from the CRA. Try to do a PFD for the HSBC (try hard,) and I would send GW letters for the lates. It may take some time but you will be happy. An increase in score is always good.
