Debt management program vs. doing it myself - HELP!

[Junejer]

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IndyColts wrote:

Okay, I'm pulling all of my credit reports this week and will compile a spreadsheet. 

Am I understanding correctly that medical collections have to be removed once they are paid?  If this is true, shouldn't I start paying those off first?

I'll get back to you as soon as I get all of my stuff organized.

Thanks so much for your help.

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But, you should be dealing with the OC on these, not the CA, for the HIPAA process to work properly.

[Anonymous]

Just out of curiosity, why are the first two steps important in this process? 

Step #1: You must Opt Out of two things: Your Credit Reports and All Creditors. The first one ensures that the CRAs will not sell your personal data to anyone else (haha…no more data mining). The second one will prevent JDBs (and CAs) from buying and selling bogus collections.

Step #2: Also, be sure to update your personal information with the CRA's before doing any credit repair.

In answer to your question about the SOL, it appears that all of mine are within the SOL - most being 2 to 3 years old.