Hello all,
First off I just wanted to say how thankful I am to all of the contributors and information this site provides. I am new to this forum but have scowered a lot of posts and found them quite helpful. I started trying to fix my credit in September of last year. I was unaware of this site and all the great information when I began. I'll spare all the sob info and keep it short. Basiclly in 2014 I had a home I rented along with a couple and everything was in my name. Long story short they ended up moving out without notice and I was left to foot the bills. I kept afloat as long as I could but I reached a point where I just couldnt rob peter to pay paul anymore and my credit tanked. Last September found myself in a better finacial position and started paying off charge offs in full on my credit report thinking this would recify the damage. I called each one and asked them to remove the collection and I would pay the account. Of course i got the typical we cant do that response but I still wanted to at least pay what I owed so I did. I paid off 5 charge offs. I still have 3 that I couldnt afford to take care of at that time. I would like to take care of these now and was hoping to get advice on the best ways to resolve these from this community. I use CK as a guide and have pulled my CR's from TU and EQ. Currently CK reports my score as 618. I sent a GW request last week to Afni for an AT&t bill I paid last September. They were kind enough to email me a response stating they will request a deletion with the CRA's. So I am hoping to see an increse soon. I also have an open medical collection reporting from 2015 from Med Data Systems with a $513 balance. I disputed this last September and it came back verified. There was an issue with my insurance denying payment because they said I was not covered on that date. I made close to 30 calls trying to figure out why over the last 3 weeks. The insurance company called me and stated whoever was responsible for putting my info in when I applied never finished putting everything in the system . The rep told me they updated it to show I had retro coverage for the date of the ER visit. I waited until the system updated to show covereage and I called the hospital. They sent the claim to the insurance co. for payment last week. I am waiting for that to finish and hopefully once its complete it will be removed from my credit report.
I have another Med Data System CO that I paid in full last Sept so I am waiting for the Open one to be resolved before sending a GW letter for this one to be removed.
I have 2 credit cards in good standing
Wells Fargo secured ($300) opened 9/16 with a balance of $79. I plan on increasing my deposit next week to increase the limit to $1000 since I havent had it long enough to change to unsecured. Never had a late payment.
Also have a Comenity Bank card $400 limit opened in 2013 with a 0 balance
( one 60 day late payment reported 8/2014)
I have had one CO deleted by disputing and they were not able to verify.
I have an open collection from Diversified Consultants last reported 2/2017
OC Directv
Balance $649
( I plan on sending a PFD Monday)
They just purchesed this debt in January and its within the SOL
The other account I am trying to tackle is a Capital One CO from 2015
Balance $423
I received a settlement offer from Client Services for $172 that expires on 3/19
Can anyone offer insight on the best way to deal with Diversified Consultants and Capital One? From what I have read on here they are next to impossible to negotiate PFD's. I am willing to pay the balances in full but I am trying to avoid the "paid CO"
I apoligize for the novel but any insight would be greatly appreciated.
