Member
Posts: 6
Registered: ‎08-20-2010
Stubborn baddies...please help!

I just don't know what to do anymore. These lates are valid except for the ones from BofA and Sears (was under payment arrangement). I sent in GW letters after letters and got nowhere with the companies below. I stopped writing for a while and now I'm back at it.  Got a letter from BofA saying "unless you have new info, this case is closed"...so needless to say the letter was very discouraging. These lates and 2 med collections are gonna follow me around for the next 5 years! DH and I are planning to buy a house in a year or so and I don't want these lates continuing to damage my credit and cost me more $ in interest. I'm hoping that someone here will have some advice.

Accounts:
BofA - CL $6000 - PIF - closed - 8 lates (2009)
BofA - CL $2500 - PIF - closed - 11 lates (2009)
Citi - CL $4500 - PIF - closed - 3 lates (2008)
Kay - CL $724 - PIF - closed - 1 late (2009)
Sears- CL $1500 - PIF - closed - 3 lates (2008/09)
SearsMC - CL $500 - PIF - closed - 10 lates (2009)

UCB Collections - 1 medical collection of $62 (tried PFD twice, no response, will PIF and then dispute)

Stephens & Micahels - 1 medical collection of $569 (sent DV, S&M sent proof & wanted settlement of $300, tried PFD, no response, will try to PFD again with $300)