OK, so this is the first time i've ever shared these deep secrets and primarly b/c i've been doggy about it I've let some of these silly things drag on unnecessarily.
I guess my question(s) are really about what should I attack first? What can I do about some of the redundencies? What sort of negotiations should I hold to bring those 2 CC debts back in line w/their original debts?
Help......please. I want to buy a car in '08/ early '09 as well as a home.
Chase CC, originally $2000, CO stopped reporting in 12/06
What do you mean stopped reporting 12/06
Unifund, which apparently bought the Chase debt is now showing the debt to be $4179.....listed as a collection
Most CAs are Barfbags BUT this one got so bad that it has been in court many times & by the FTC. Bevery careful of it.
IMO......If you do not have the cash in hand never touch your CR unless you are past SOL!!!
Let us know what your SOL is and what the DOFD/DOLA is on these COs.
Keep hard copies of all CR....you may need them again in 15 years!
Chech out the frequently requested thread....this is full of info. like the DOFD/DOLA....reaging.....just about everything.
Always ask as many questions as you need!!!
IMO never talk to a CA......never dispute unless needed ( a dispute will update CR and appear new in the eyes of FICO)
Message Edited by HappyDays on 05-21-2008 01:55 PM
again, should i engage them, or the OC....Chase? the balance is 4k+ and quite frankly, i don't have that kind of cash sitting around. should i pay w/payments or hold out? the DOFD is 10/04....DOLA says 1/07, but i haven't had access to that card since like '05.
i thought it was wise to keep up w/your CR. please advise.
Sorry for asking 50 million questions, but i really am a novice here. in the mean time I'm going to do what I can reading and playing catch up.