@Anonymous wrote:
Collections (Listed from Newest to Oldest)
| COLLECTION AGENGY | BALANCE | DATE OPENED |
| ENCHANCED RECOVERY | $ 158.00 | 2019-07-29 |
| JEFFERSON CAPITAL SYSTEM | $ 347.00 | 2019-06-03 |
| CREDENCE RESOURCE MANAGEMENT | $ 311.00 | 2019-02-18 |
| MEDICAL DATA SYSTEMS INC | $ 1,970.00 | 2018-08-29 |
| PENN CREDIT CORP | $ 273.00 | 2018-07-11 |
| ENCHANCED RECOVERY | $ 481.00 | 2018-06-30 |
| I C STSTEM | $ 183.00 | 2018-06-26 |
| I C STSTEM | $ 126.00 | 2018-01-22 |
| I C STSTEM | $ 152.00 | 2018-01-11 |
| LVNV FUNDING LLC | $ 1,426.00 | 2017-06-18 |
| CREDIT MANAGENT LP | $ 204.00 | 2016-10-27 |
| PORTFOLIO RECOVERY | $ 735.00 | 2016-05-19 |
| NATIONAL CREDIT SYSTEMS | $ 1,511.00 | 2014-12-13 |
| BANKRUPCY | | 2013-08-19 |
| CLOSED CREDIT CARD ACCOUNTS W/ BALANCE | |
| NAVY FEDERAL | $ 628.00 | |
| ONE UNITED BANK | $ 228.00 | |
| FIRST PROGRESS CARD | $ 158.00 | |
| GREEN DOT BANK | $ 73 | |
First thing is to handle the closed accounts with balances. Those show as cards that are maxed over 100% and are hurting you actively. Get them paid off ASAP.
After that, you have collectors that will remove their reports in exchange for payment or settlement. Portfolio, LVNV (recently have been granting PFDs more often) and I believe Jefferson Capital. You can pay those and within a reporting cycle or so they'll vanish as if they never existed. They're the low-hanging fruit, so to speak.
You can search the forum on the other ones to see if they have granted deletions to anyone. There is a thread here on the forum compiling a list of those who do, based on member experience. It should turn up in a search. It's possible one or more of the others will delete. Regardless, you should approach each one with a PFD in mind - a paid collection helps, but not much. Deleting them is where you can make better gains. Any gains made with PFDs will be incremental though until your last one is gone. Then the score shoots up. Goals in descending order are:
PFD
Paid but not deleted
Unpaid and not deleted
You don't have any that are approaching falloff date but check the statute of limitations for your state. Any debts beyond the SOL cannot be used to sue you, so you have more leverage in asking for a PFD or a settled balance. Also, if you're approaching the SOL some agencies may decide to take legal action before the opportunity is lost, so be aware of that. Good luck!
