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New Member
illlikeelmo
Posts: 2
Registered: ‎07-01-2012
0

Please Help Me!! I don't even know where to start!!

Just pulled my FICO score today... 534. I also pulled my report and have a butt load of Neg Info. I just want to fix this horrible mess I've made and would really appreciate some advice from you guys! I have a lot of medical and various other bad debts... Here's what I've got...

Bb&T Bkcrd    9/2006         $847       Bad debt/collection
Wfb Cd Svc    3/2012        $582         Pays account as agreed
Cap One         4/2007           $0           Pays account as agreed
Bb&T Bkcrd     9/2006          $0              Pays account as agreed
Fedloan         10/2010         $3,435     Pays account as agreed                                                      Both the BBT and Cap One are the same debt!?
Fedloan          10/2010         $2,102     Pays account as agreed
Tridentam         6/2008         $112         120+ days past due
Tridentam        6/2008           $51        120+ days past due
Cap One         4/2007           $0          Bad debt/collection

Collection on debt to:
The collection agency "848YA00000" was hired to collect a debt of $86 on account number "XXXXXXX".
Collection agency [?] 848YA00000
Original balance [?] $86
Current balance [?] $86
Date assigned [?] Apr, 2012
Account number [?] XXXXXXX
Account holder [?] Individual
Account descriptions [?] Medical

Collection on debt to:
The collection agency "848YA00000" was hired to collect a debt of $62 on account number "XXXXXXX".
Collection agency [?] 848YA00000
Original balance [?] $62
Current balance [?] $62
Date assigned [?] Apr, 2012
Account number [?] XXXXXXX
Account holder [?] Individual
Account descriptions [?] Medical

Collection on debt to:
The collection agency "848YA00000" was hired to collect a debt of $62 on account number "XXXXXXX".
Collection agency [?] 848YA00000
Original balance [?] $62
Current balance [?] $62
Date assigned [?] Apr, 2012
Account number [?] XXXXXXX
Account holder [?] Individual
Account descriptions [?] Medical

Collection on debt to:
The collection agency "848YA00000" was hired to collect a debt of $42 on account number "XXXXXXX".
Collection agency [?] 848YA00000
Original balance [?] $42
Current balance [?] $42
Date assigned [?] Apr, 2012
Account number [?] XXXXXXX
Account holder [?] Individual
Account descriptions [?] Medical

Collection on debt to:
The collection agency "848YA00000" was hired to collect a debt of $62 on account number "XXXXXXX".
Collection agency [?] 848YA00000
Original balance [?] $62
Current balance [?] $62
Date assigned [?] Apr, 2012
Account number [?] XXXXXXX
Account holder [?] Individual
Account descriptions [?] Medical

Collection on debt to: Directv
The collection agency "164YC02637" was hired to collect a debt of $641 originally owed to "Directv" on account number "XXXXXXXX".
Collection agency [?] 164YC02637
Original balance [?] $641
Current balance [?] $641
Date assigned [?] Nov, 2011
Original lender [?] Directv
Account number [?] XXXXXXXX
Account holder [?] Individual

Collection on debt to:
The collection agency "645YC00000" was hired to collect a debt of $167 on account number "XXXXXXXX".
Collection agency [?] 645YC00000
Original balance [?] $167
Current balance [?] $167
Date assigned [?] Nov, 2010
Account number [?] XXXXXXXX
Account holder [?] Individual
Account descriptions [?] Consumer disputes this account information
Medical

Collection on debt to: Banfield Pet Ho
The collection agency "905YC00310" was hired to collect a debt of $294 originally owed to "Banfield Pet Ho"on account number "XXXXXXX6001".
Collection agency [?] 905YC00310
Original balance [?] $294
Current balance [?] $294
Date assigned [?] Sep, 2011
Original lender [?] Banfield Pet Ho
Account number [?] XXXXXXX6001
Account holder [?] Individual

Collection on debt to: Glen Eagles
The collection agency "285YC01626" was hired to collect a debt of $1,858 originally owed to "Glen Eagles" on account number "XXXXXXX".
Collection agency [?] 285YC01626
Original balance [?] $1,858
Current balance [?] $1,959
Date assigned [?] Aug, 2011
Original lender [?] Glen Eagles
Account number [?] XXXXXXX
Account holder [?] Shared
Account descriptions [?] Consumer disputes this account information

Collection on debt to:
The collection agency "432YC00000" was hired to collect a debt of $584 on account number "XXXXX7412".
Collection agency [?] 432YC00000
Original balance [?] $584
Current balance [?] $584
Date assigned [?] Mar, 2012
Account number [?] XXXXX7412
Account holder [?] Individual
Account descriptions [?] Medical

Collection on debt to:
The collection agency "432YC00000" was hired to collect a debt of $761 on account number "XXXXX0942".
Collection agency [?] 432YC00000
Original balance [?] $761
Current balance [?] $761
Date assigned [?] Mar, 2012
Account number [?] XXXXX0942
Account holder [?] Individual
Account descriptions [?] Medical

Collection on debt to: T Mobile
The collection agency "613YC20539" was hired to collect a debt of $743 originally owed to "T Mobile" on account number "XXXXXXXX".
Collection agency [?] 613YC20539
Original balance [?] $743
Current balance [?] $743
Date assigned [?] Nov, 2011
Original lender [?] T Mobile
Account number [?] XXXXXXXX
Account holder [?] Individual

Collection on debt to:
The collection agency "848YA00000" was hired to collect a debt of $66 on account number "XXXXXXX".
Collection agency [?] 848YA00000
Original balance [?] $66
Current balance [?] $66
Date assigned [?] Sep, 2011
Account number [?] XXXXXXX
Account holder [?] Individual
Account descriptions [?] Medical

Collection on debt to:
The collection agency "615YC00000" was hired to collect a debt of $163 on account number "XXXXXXX".
Collection agency [?] 615YC00000
Original balance [?] $163
Current balance [?] $163
Date assigned [?] Aug, 2011
Account number [?] XXXXXXX
Account holder [?] Individual
Account descriptions [?] Medical

 

 

Anything is amazing! I have no idea where to even start.... HELP MEEEEEE!

New Contributor
LALALISA
Posts: 73
Registered: ‎05-21-2012
0

Re: Please Help Me!! I don't even know where to start!!

Bb&t bkcard will drop off in 9/2013. But you can PFD on that......offer way less than $847 since its so old. Tridentam- goodwill the lates PFD on all the medical collections esp the low amounts.

Starting Score: Jan 2011: 517; March 2012: 620
Current Score: Ex 681 FairIsaac V2; TU 690 Classic04; Eq 642 Beacon5.0-All lender pull 8/13/12
Goal Score: 700


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Valued Member
jeffriesde
Posts: 29
Registered: ‎04-30-2010
0

Re: Please Help Me!! I don't even know where to start!!

Do you have any extra money to throw at the Collections?  

 

If you do, I would start with the most recent collections that you can afford to pay off, and contact the CA and request a PFD.  Don't wake up more than you can afford to PIF.  Get all PFD acceptance in writting.   If they are unwilling to PFD then move on to the next one, and circle back around later to try them again.

 

Sometimes you can tell the CA that you have a set amount of money to work on cleaning up your debt right now, and the one that works with you the most will get taken care of first.  


Starting Score: EQ 549 (5/2012) | TU 594 (7/2012)
Current Score: EQ 618 (9/2012 Lender Pull) | TU 648 (9/2012 Lender Pull) | EX 599 (9/4/2012 Lender Pull)
Goal Score: 700


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Moderator Emeritus
llecs
Posts: 32,869
Registered: ‎08-04-2007
0

Re: Please Help Me!! I don't even know where to start!!

Welcome to the forums!

I'd suggest reading the following:

Common Abbreviations

Credit Scoring 101 - great for knowing what is in your credit score and to see how your score is impacted.

What Steps Do I Take - great for learning the repair process.

and Example letters - PFDs, GWs, DVs, etc.

 

OP, if you need more info on the collections, you'll need to pull your reports directly from the CRAs or annualcreditreport.com.


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