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Member
Posts: 5
Registered: ‎05-31-2015
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Rebuilding LOOOONG Over due

This forum has been a tremendous help!!! THANK YOU!!! To everyone that post !!! I am learning so much…. I still have a ways to go to improve my score and clean up my report. I am not sure what direction I should go for both my husband and I. My score are a little higher than my husband. I’m thinking the 120-day late on the student loan caused his scores to take a big hit along with a few baddies. We are both sign with My FICO and Credit Karma. He has a lot of medical collection. Will paying these off help high score? This month I applied for tons of credit and added my husband as an AA. We had some times due to our son being extremely ill causing us to fall a little behind on a few things!! Now we are ready to purchase our 1st home within the next year using my VA loan I am just a little stuck on how I should attack these collections. Any help, guidance, assistance, strategy would be greatly appreciated.  I would like to bump our scores to 700 across the board Dec15/Jan16.

312

$312

PAID

Sep 20, 2010

XXXXXX9916

Individual

Medical

 

Focus Receivables MGMT

ORIGINAL LENDER  Time Warner Cable

ORIGINAL BALANCE            $483   -           $483

CURRENT BALANCE            $483   -           $483

STATUS         Unpaid           -            Account seriously past due date/account assigned to attorney, collection agency, or credit grantor's public collection department

DATE ASSIGNED      Jun 03, 2014   -           Jun 03, 2014

ACCOUNT HOLDER            Individual

St Of Md-Ccu (ERROR working on removal with the University and CCU)

Univ MD

$1,044

$1,044

Collection account

Oct 23, 2012

XXXXXXX

Individual

Placed for collection

 

Valley Credit Service

ORIGINAL BALANCE            $111   -           $111

CURRENT BALANCE            $111   -           $111

STATUS         Unpaid           -            Account seriously past due date/account assigned to attorney, collection agency, or credit grantor's public collection department

DATE ASSIGNED      Jan 10, 2013   -           Nov 19, 2010

Medical

 

Kinum

09 Music And Arts

$1,067

$1,067

Collection account

Nov 01, 2014

XXXXXXXX3607

Individual

Placed for collection

 

COLLECTION AGENCY            491YC00000 -           -

ORIGINAL LENDER  -           -            -

ORIGINAL BALANCE            $620   -           -

CURRENT BALANCE            $495   -           -

STATUS         Unpaid           -            -

DATE ASSIGNED      Feb 28, 2013   -           -

ACCOUNT NUMBER            XXXXXX          -           -

ACCOUNT HOLDER            Individual     -           -

DESCRIPTION            Medical

Profess Acct (Should be removed soon)

PAID

District Of Columbia Govt

$360

$360

Collection account

Mar 03, 2015

XXXXXXXX

Individual

Placed for collection

 

COLLECTION AGENCY            241YC00000            Medicredit            Medicredit, Inc

ORIGINAL BALANCE            $239   $239   $239

CURRENT BALANCE            $239   $239   $239

STATUS         Unpaid            Collection account            Account seriously past due date/account assigned to attorney, collection agency, or credit grantor's public collection department

DATE ASSIGNED      Dec 30, 2014   Dec 30, 2014            Dec 30, 2014

 

 

Guardian Capital Manag

$363

Paid account/was a collection account, insurance claim or government claim or was terminated for default

Jun 07, 2011

XXXXXX

Individual

 

COLLECTION AGENCY            867YA00000            -

Credit Financial Service

ORIGINAL BALANCE            $122   -           $122

CURRENT BALANCE            $122   -           $122

STATUS         Unpaid           -            Account seriously past due date/account assigned to attorney, collection agency, or credit grantor's public collection department

DATE ASSIGNED Dec 17, 2013   -Dec 17, 2013

Medical

 

Cab Coll

$3,921

$3,921

Collection account

Jan 19, 2011

XXXXXXXX

Individual

Account information disputed by consumer

 

 

COLLECTION AGENCY            905YC00000 -

IC System Inc

-           -

ORIGINAL BALANCE            $230   -           $230

CURRENT BALANCE            $230   -           $230

STATUS         Unpaid           -            Account seriously past due date/account assigned to attorney, collection agency, or credit grantor's public collection department

DATE ASSIGNED      Aug 15, 2012   -           Aug 15, 2012

 

Medical

 

American Credit Bureau

$547

PAID

Paid account/was a collection account, insurance claim or government claim or was terminated for default

Feb 17, 2012

XXXXXX

Individual

Dispute Resolved - Consumer Disagrees

 

 

Medcah Inc

$93

$93

Account seriously past due date/account assigned to attorney, collection agency, or credit grantor's public collection department

Dec 02, 2009

XXXXXXX

Individual

 

Mrs Bpo Llc

Time Warner Cable

$445

$445

Account seriously past due date/account assigned to attorney, collection agency, or credit grantor's public collection department

Aug 19, 2014

Individual

 

Online Collections

$319

$319

Account seriously past due date/account assigned to attorney, collection agency, or credit grantor's public collection department

Apr 08, 2015

6031XXXXXXXXXXXX

Individual

 

COLLECTION AGENCY            491YC00000 -           -

ORIGINAL LENDER  -           -            -

ORIGINAL BALANCE            $153   -           -

CURRENT BALANCE            $153   -           -

STATUS         Unpaid           -            -

DATE ASSIGNED      Aug 14, 2013   -           -

ACCOUNT NUMBER            XXXXXX          -           -

ACCOUNT HOLDER            Individual     -           -

DESCRIPTION            Medical

 

 

 

Starting Score-EQ-605 TU-623 EX-608 (MyFico scores)/EQ-557 TU-562 EX-579

Goal Scores-720's across the board

Frequent Contributor
Posts: 299
Registered: ‎03-07-2015
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Re: Rebuilding LOOOONG Over due

Start on PFD offers for the accounst that you can afford to pay.

 

PFD is "pay for delete". This is where you offer to pay the account in exchange for it being removed from your credit reports. You can find a lot of information on PFDs by using the search tab on this forum and typing either "PFD" or "pay for delete".  Just make sure you can pay in full at once, if they agree. If after several attempts of getting a PFD, then maybe you should go ahead and pay the collection and then try to get a "goodwill deletion".

Valued Member
Posts: 44
Registered: ‎03-29-2015
0 Kudos

Re: Rebuilding LOOOONG Over due

I C Collections will delete your past due medical for payment in full. I had two medical accounts with them that were deleted after 30 days.  I did not request validation. I knew they were mine and they were within the SOL. 

Moderator
Posts: 30,807
Registered: ‎12-13-2013
0 Kudos

Re: Rebuilding LOOOONG Over due

For unpaid medical debt that is reporting on your CR:

1. Call the OC and ask that they recall the collection in exchange for full payment
2. Send the reporting CA a PFD offer
3. Google the HIPAA Process and contact its creator for help

 

For other types of debt you just eliminate step #3. Be careful with anything inside SOL they can still use the courts to get a judgment, you would only contact them if you can PIF. Welcome to My Fico and good luck in your rebuild journey Smiley Happy

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