Rebuilding help

[Anonymous]

I am helping my wife rebuild her credit at the same time we do mine. She has very little on her report. It includes 4 accounts, 2 of which i would like advice and 2 of which are medical bills.

The 2 I would like help with are:

Elan Financial Services (Credit Card)

DOFD is 6/13

1000 Limit

1172 Balance 

Reporting 2 years in collections and 8 late payments before that.

Navient (Student Loan)

DOFD 10/15

6742 Balance

755 Past due 

135 Monthly Payment

Reporting 4 lates in 5 years

What is the best way to handle these 2 accounts? any help would be great!

Also the SOL is 7 Years in AZ

[Anonymous]

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@Anonymous wrote:

I am helping my wife rebuild her credit at the same time we do mine. She has very little on her report. It includes 4 accounts, 2 of which i would like advice and 2 of which are medical bills.

The 2 I would like help with are:

Elan Financial Services (Credit Card)

DOFD is 6/13

1000 Limit

1172 Balance 

Reporting 2 years in collections and 8 late payments before that.

Try for PFD on this account .

Navient (Student Loan)

DOFD 10/15

6742 Balance

755 Past due 

135 Monthly Payment

Reporting 4 lates in 5 years

Try for GW letter after getting balance current.

What is the best way to handle these 2 accounts? any help would be great! You should try talking to supervisors or writing your letters to the CEO, executive office, etc.

Also the SOL is 7 Years in AZ

BTW, SOL in AZ is 6 years but with as new as these are, for the most part it is irrelevant right now.

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[Anonymous]

Thank you for the information, how would a rehab help in regards to the student loan?