Hey there,
You've got a list collections. From my little understanding, these are going to be big factors.
I would suggest finding a couple examples of Pay for Delete letters to send to the Collection Agencies. There are a lot of small balances and the more of those you can get rid of, the better. See my comments in Bold.
Express Recovery
Collection Dept/Agency/Attorney PFD
Bal : $168.00
Past Due : $168.00
Date Opened : 8/1/2012
Unpaid Medical
Experss Recovery
Collection Dept/Agency/Attorney PFD
Bal: $94.00
Past Due : $94.00
Date Opened : 5/1/2009
LVNV Funding
Debt Purchase
Bal : $888.00
Past Due : $888.00
Date opened : 12/1/2011
Mountainland Collections
Collection Dept/Agency/Attorney
Bal : $814.00
Past Due : $814.00
Date opened : 5/1/2011
Unpaid Medical
NCO FIN/35
Collection Dept/Agency/Attorney
Bal $449.00
Past Due $449.00
Date opened 9/1/2012
Unpaid Medical
Action Collection SVC
Collection Dept/Agency/Attorney
Bal $1165.00
Past Due $1165.00
Bonneville Billing PFD
Returned Check
Bal $340.00
Bal Due $340.00
Date opened 9/1/2009
(Then on Equifax it says Unpaid Medical??)
Bonneville Billing PFD
Returned Check
Bal $246.00
Past Due $246.00
Date opened 7/1/2008
Cap One
Credit card
Bal 0.00
Past Due 0.00
Date opened 5/1/2007
Charge Off
Transfered to another lender
Express Recovery
Collection Dept/Agency/Attorney PFD
Bal $100.00
Past Due $100.00
Date opened 9/1/2010
Unpaid Medical
Express Recovery
Collection Dept/Agency/Attorney PFD
Bal $201.00
Past Due $201.00
Date opened 9/1/2010
Express Recovery
Collection Dept/Agency/Attorney PFD
Bal $232.00
Past Due $232.00
Date opened 8/1/2009
Express Recovery
Collection Dept/Agency/Attorney PFD
Bal $140.00
Past Due $140.00
Date opened 12/1/2008
GM Financial This should drop off soon. You should see a large increase when that happens.
Auto Loan
Bal $11895.00
Past Due $11895.00
Date opened 2.1.2006
Charged off
Les Schwab Send a PFD
Charge Account
Bal $698.00
Past Due $698.00
Date opened 10/1/2009
Mountainland Collections
Collection Dept/Agency/Atty PFD
Bal $37.00
Past Due $37.00
Date opened 10/1/2012
Unpaid Medical
Mountainland Collections
Collection Dept/Agency/Atty PFD
Bal $39.00
Past Due $39.00
Date opened 9/1/2012
Unpaid Medical
Mountainland Collections PFD
Collection Dept/Agency/Atty
Bal $203.00
Past Due $203.00
Date opened 5/1/2011
Unpaid Medical
Mountainland Collections
Collection Dept/Agency/Atty PFD
Bal $44.00
Past Due $44.00
Date opened 9/1/2010
Unpaid Medical
Mountainland Collections PFD
Collection Dept/Agency/Atty
Bal $67.00
Past Due $67.00
Date opened 9/1/2009
Unpaid Medical
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