@Anonymous wrote:
Hi guys! I’m new to rebuilding and would like some advice on how and where to start with this process.
I have:
*Two closed credit cards with a $0, capital one and care credit
*Auto loan with two lates, 30 and 60 days
*Portfolio Recovery $1006
*General Revenue Corp $915
*I C Systems $166 (paying next week)
*Two Medical, Wakefield and Associates, $318 & $568
*Diversified Consultants $456
Thanks in advance!
Hi and welcome to the forums
For medical collections, here is suggestion by gdale on how to deal with those
For unpaid medical debt that is reporting on your CR:
1. Call the OC and see if insurance can be billed, if not then
2. see if you qualify for Charity Care, if not then
3. ask that they recall the collection in exchange for full payment
4. Send the reporting CA a PFD offer
5. Google the HIPAA Process and contact its creator for help
Portfolio will delete after payment. See if you can work out a settlement, because it will get deleted either way
Diversified Consultants, if collection is for one of telecomm companies, your best bet is to call OC and see if they will recall the collection, then pay them directly. It's a mixed bag results wise, but does not hurt to try.
For auto loan lates, you may want to try GW approach. Here is one of the threads that explains it
https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GW-letter-Q-amp-A-Examples-and-GW-Success-Stories/td-p/1573680
Once you're done everything you can with negatives, it will be beneficial to you to open a secured card or two, if you have no active revolving credit accounts. Dont do that quite yet, the money should go towards the debt at the moment
Good luck
