OK so I've been here for a little bit reading as much as I can, trying to absorb what's going on. Currently I'm taking action on getting a secured card, but I want to start doing SOMETHING with my old debts.
I have 5 items on my credit that I want to address now. One of those are still in the SOL, however I'm prepared to do a PFD on that one...or settle and GW it...
On the other 4 -
1 is definitely mine and I dont doubt the amount
2 I really don't recall but it's possible they are accurate because that point in my life was kind of crazy.
1 actually am SURE is not accurate because I remember talking to the OC office and they even admitted they had a change in staff or technology or something and their billing was all screwed up.
So I was thinking...
sending a PFD to the two I don't question (one in SOL, one out of SOL)
sending a DV to the 2 I don't really recall
sending a letter to the one I'm sure isn't accurate asking them to validate the amount they have
BUT HERE's the COMPLICATION
I pulled my 3 reports. ON ALL OF THESE ACCOUNTS... the OC is reporting to TU, and a CA is reporting to EX and EQ. Since you don't send DV to OC's where does that leave me? Do I have to have one game plan for the CA's reporting to EX and EQ and another game plan for TU????
This seems so overwhelming...I've started this many times and never did anything because I got overwhelmed...but I am determined to get this done this time!!!!!!!!!!
...but I'd like your advice so I don't screw it up!!!!
