[UPDATES]
- Started this journey on 5/8/2014!
- 06/03/2014: Updated to include table and make things MUCH cleaner and easier to understand.
Also note that I will add strike-throughs to accounts that have been dealt with. - 10/21/2014: DCS Financial $50k Collection has dropped off. WOOHOO!
So I began following these forums a few months ago, but only recently became a member and began posting, mostly needing help figuring out how everything works. Well, with all the new information I have, I would like to share my current credit reports and my plans to fix them. Any direct contact info for any of the collection agencies would be greatly appreciated, as would any advice. I'm still fairly new to all of this, so I'm willing to hear what everyone has to say. All collections are from uncovered medical debt, aside from one charge-off from a CU.
[EDIT] I live in Washington state. The SOL for written contracts is 6 years, oral contracts are 3 years, and medical collections are 3 years.
Credit Baddies:
| Reporting Entity (CA/OC) | CRAs reporting | DOFD | SOL | CRTP | Balance w/ last reporting date | Notes |
| Professional Credit Services | TU | 07/2008 | 07/2014 | 07/2015 | 04/2014 - $379 | Will probably let this fall off. |
| CMRE Financial Services | TU / EX | 09/20/2010 | 09/20/2016 | 09/20/2017 | 04/2014 - $385 | 5/8: Called to receive account number, total debt, and age of debt. 5/14: Received letter to "re-confirm" payment agreement I never made. 5/20: Sent response letter that I made no such agreement. 5/28: Sent payment plan offer letter. Currently awaiting response from both letters. As of 10/21: Have not received a response. Will contact again when I can PIF, and make offer. |
| DCS Financial Inc | EQ | 07/2008 | 07/2014 | 07/2015 | 04/2014 - $3,152 | Will probably let this fall off. |
| DCS Financial Inc | EQ | 07/2008 | 07/2014 | 07/2015 | 05/28/2014 - $47,080 | Will definitely just let this fall off. I cannot pay that much. 10/2014: FALLEN OFF! |
| DCS Financial Inc | EQ | 09/2012 | 09/2018 | 09/2019 | 04/2014 - $65 | Will decide what to do once the other accounts from this CA fall outside the SOL. |
| DCS Financial Inc | EQ | 02/2012 | 02/2018 | 02/2019 | 04/2014 - $105 | Will decide what to do once the other accounts from this CA fall outside the SOL. |
| Columbia Collectors, Inc | EQ / EX | 07/2008 | 07/2014 | 07/2015 | 02/2012 - $1,843 | Will probably let this fall off. |
| Dynamic Collectors, Inc | EQ | 03/2013 | 03/2019 | 03/2020 | 10/2013 - $112 | Will PFD in the amount of $67 (60%) once I have the funds for both accounts with this CA. |
| Dynamic Collectors, Inc | EQ | 04/2012 | 04/2018 | 04/2019 | 01/2013 - $393 | Will send PFD in amount of $236 (60%) when I have the funds. |
| Iq Credit Union (CO) | EQ / TU / EX | 07/2013 | 07/2019 | 07/2020 | PIF 04/09/2014 | 4/9: Paid CA. 5/28: OC finally received check from CA. 6/9: CRs updated to "paid c/o". Chex still unpaid. 6/17: Sent out first GW to iQ to remove from CRAs and Chexsystems. Will repeat monthly. |
| Professional Credit Services | NOT reported, but other PCS account is | 07/2012 | 07/2018 | 07/2019 | 04/2014 - $10.51 | NOT reported, but will pay in FULL amount when I deal with other account on my CR. |
@Whitneyy wrote:I know that Suntrust bank doesn't use Chexsystems if you have issues with not being able to get it off. There are other banks as well.
I see you have done offers for some of the newer things, I'm not sure if that's going to work because you could always get sued for the remaining balance.
I haven't sent anything yet, but I wanted to post here before I did. What is the point of the PFD if the CA can turn around and sue you for the remaining amount after agreeing in writing to delete from the CRAs that it was paid in full?? :/ MAybe I'm missing something... There's always more to learn. 
And I'm not sure there's a Suntrust anywhere near me in Washington State. I've never heard of them and lived here my entire life.
Well, I have three that I most definitely can't pay. But I was planning on sending the DV letters this August, when the SOL is up for the big ones (totaling nearly $52,000), since the SOL for Washington state is 6 years. But the others I plan on saving up the full amount for the ones under $100 to pay within the next month or so, then gradually paying the other ones off. I just read that you can settle for less since they pay pennies on the dollar for your debts, and that would be better for me.
I'll look into Chase, but I really don't like them, or BofA. Had bad experiences with them. :/
Would the fact that my charge-off was with my old credit union affect another credit union from opening an account? I was with them for 5 years no problem, then things came up one after another... *sigh*
I have paid the charge-off to the CA since when I tried to pay my CU directly, they told me they couldn't take payment anymore, and gave me the number to call the CA, saying I had to go through them. That was the first week of April (When I got the info and paid)... CU still hasn't received the check from the CA 6 weeks later, and I'm getting mixed answers from both sides. Does anyone know how this should be working and if the CU will remove the CO from Chexsystems/CRAs once they get the check?