topic What should I be doing now? in Rebuilding Your Credit

What should I be doing now?

aquatic1 — Thu, 11 Sep 2008 15:57:54 GMT

So here are my questions...please note I am not a patient person I now know!

I have begun to repair the damage I caused to my credit. I have at least 5-8 medical collections between the 3 CRA's. I have gone through the beginning steps that were posted. The 3 CRA's have received the Pre-Hippa letters last week and now its a waiting game.

From previous posts it says that you should do the medical collections all at once FIRST as long as you can pay them (I am holding on to the money for dear life). I also have 2 bills in collection that I have the money to pay for these as well (holding on for dear life as well). the bigger ones (4 in total) will need to wait until these are done I guess.

Of the two bills in collection one (Target bill which a settlement offer was sent) I did not do a DV but contacted Target who told me that I needed to contact the CA. I sent them a PFD which they received on 9/8/08 per CMRRR. I offered a counter settlement offer which was $50 less than their offer. The other collection is for less than $70, which I am sending them a DV tomorrow.

Finally, here is my question: Does this sound okay? If so, what should I be doing now? Any help or suggestions would be appreciated fully!

Re: What should I be doing now?

aquatic1 — Fri, 12 Sep 2008 01:15:48 GMT

bump

Re: What should I be doing now?

Anonymous — Fri, 12 Sep 2008 04:50:42 GMT

I would have DV'd before PFD'ing.

Other than that, from what you've provided, sounds ok.

aquatic1 wrote:

So here are my questions...please note I am not a patient person I now know!

I have begun to repair the damage I caused to my credit. I have at least 5-8 medical collections between the 3 CRA's. I have gone through the beginning steps that were posted. The 3 CRA's have received the Pre-Hippa letters last week and now its a waiting game.

From previous posts it says that you should do the medical collections all at once FIRST as long as you can pay them (I am holding on to the money for dear life). I also have 2 bills in collection that I have the money to pay for these as well (holding on for dear life as well). the bigger ones (4 in total) will need to wait until these are done I guess.

Of the two bills in collection one (Target bill which a settlement offer was sent) I did not do a DV but contacted Target who told me that I needed to contact the CA. I sent them a PFD which they received on 9/8/08 per CMRRR. I offered a counter settlement offer which was $50 less than their offer. The other collection is for less than $70, which I am sending them a DV tomorrow.

Finally, here is my question: Does this sound okay? If so, what should I be doing now? Any help or suggestions would be appreciated fully!

Re: What should I be doing now?

aquatic1 — Fri, 12 Sep 2008 04:59:14 GMT

@Anonymous wrote:

I would have DV'd before PFD'ing.

I had been given a settlement offer previously and I knew the amount. The account (Target) was just CO a few months ago so I didn't think that anything would change. I attempted to work with Target but they kept sending me to the CA. Probably should have read more into the actual purpose of a DV. I thought you would use the DV if you were close to SOL (I am not). The other PFD that I am planning to send out tomorrow was only for $46 for a old library charge. Should I NOT send the PFD for the library charge in your opinion?