Some of these accounts look to be current and in good standing. Keep them current and paid on time first.
Second, you are going to need DOFD and SOL before you touch any of the derogs. Get your free annual reports direct from CRAs via annualcreditreport.com
Once you have those dates, you can make a plan.
Read the stickies at the top of the forum, especially Credit Scoring 101.
The basic steps involve, don't ever talk to CA, only correspond in writing.
Most recent reports=most negative effects.
If you have the money to PIF and still under SOL, DV the CA, contact the OC about pulling from collections. If OC will pull, offer PFD, if not and CA answers DV in good form offer PFD.
If you don't have the money, don't touch it, or beware they may sue.
If out of SOL, DV the CA and GW the OC.
If paid, GW CA and/or OC.
Medical is handled differently, check stickies for HIPPA process.
PRs/tax liens, I'm not sure how to handle, but they MUST be paid. Might even say they are the most dangerous as they can hit your assets, bank accounts, home, car, etc.
It looks overwhelming at first, but it can be done. Make a plan, take small steps, and be prepared for setbacks. You've taken the first step by getting some info and asking questions. Don't give up.
Message Edited by gordonbs on
08-17-2008 08:11 AM
