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Looking for what to do

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Looking for what to do

I've been working on trying to repair our credit to hopefully buy a house soon, and looking for some next steps to take/some guidance. We had a son born premature and things flew off the rails at that point for almost 6 months and although everything is good now we still have quite a few lingering items.

 

The big things I think that are hurting us are collections and a couple charge offs, we also have a few late payments which I need to work on GW letters for but those are at least a couple years old now. 

 

We've gone through and paid off the Portfolio Recovery Accounts and got those removed (if only every collection agency was like this...). Here's the remaining items: 

Charge-Off - Wells Fargo CC - Paid - DOFD: October 2013

Charge-Off - Kohl's/CapitalOne - $615 - DOFD: December 2013

Charge-Off - Walmart/SyncB - Paid - DOFD: October 2013

Charge-Off - Wells Fargo CC - $1170 - DOFD: October 2013

 

Collection - AMERICAN COLLECTION SYS - $188 - Medical

Collection - AMERICAN COLLECTION SYS - $122 - Medical

Collection - ACCOUNT BROKERS-LARIMER - $63 - Medical

Collection - COLLECTION CENTER-WYOMING - $858 - Medical

Collection - COLLECTION CENTER-WYOMING - $384 - Medical

Collection - BONDED ADJUSTING - $303 - Medical

Collection - BONDED ADJUSTING - $59 - Medical

Collection - ARMADA CORPORATION - $183 - Medical

Collection - Professional Finance - $290 - Medical

Collection - Professional Finance - $129 - Medical

 

Mainly what I'm trying to figure out is how to go about dealing with the collections and removing them? I've seen some about PFDs but do they really work? What's the best process for them? We are in a position where we could pay all of them in full.

 

Also what should I do, if anything with the charge offs, should I pay the remaing?

Any help is greatly appreciated!

Message 1 of 7
6 REPLIES 6
Community Leader
Senior Contributor

Re: Looking for what to do

Well I would start with the medical collections, they seems to be a little easier to PFD, and you have a few with same company so it looks like you can deal with 6 collectors. That is where I would start.

 

With the others, are they still with original creditor or have they sold them? Paying for delete with original creditors doesn't really seem to happen. If your DOLA are correct those would be falling off your reports next year (2020).

EXP 763 TU 793 EQ 734
Message 2 of 7
Super Contributor

Re: Looking for what to do

To follow up with Jnbmom said. Paid off is a whole lot better than owed. Plus you can get back in with Cap1 soon after. The medicals I'd call and ask for PFD. If no go. Hang up and google HIPPA technique. We can not post links or instructions. Good Luck!





My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC at 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game. Pay it Forward!
Message 3 of 7
Moderator

Re: Looking for what to do

Welcome to the board Smiley Happy

 

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

"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne

Message 4 of 7
Super Contributor

Re: Looking for what to do

Better advice above me.





My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC at 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game. Pay it Forward!
Message 5 of 7
New Member

Re: Looking for what to do

So I thought I'd send a few PFDs through e-mail to the places I could find some e-mails for since I figured it couldn't hurt anything even if they didn't respond. I did hear back from Bonded Adjusting and they just stated that they do not communicate to consumers over e-mail. I hadn't heard anything from Professional Finance but then checked the mail today and got a letter letting me know they would delete if I paid the full amount! I submitted the payment online today so that will take them off my list. I haven't heard from any of the others but I hadn't gotten around to sending those PFD e-mails until this past weekend, so we shall see what they do... 

 

Collection - AMERICAN COLLECTION SYS - $188 - Medical

Collection - AMERICAN COLLECTION SYS - $122 - Medical

Collection - ACCOUNT BROKERS-LARIMER - $63 - Medical

Collection - COLLECTION CENTER-WYOMING - $858 - Medical

Collection - COLLECTION CENTER-WYOMING - $384 - Medical

Collection - BONDED ADJUSTING - $303 - Medical

Collection - BONDED ADJUSTING - $59 - Medical

Collection - ARMADA CORPORATION - $183 - Medical

Collection - Professional Finance - $290 - Medical

Collection - Professional Finance - $129 - Medical

 

In the midst of everything though we did pay American Collection System but without any PFD stimulations. So would the best approach to these be a GW letter? 

Message 6 of 7
Moderator

Re: Looking for what to do


@megahedron wrote:

So I thought I'd send a few PFDs through e-mail to the places I could find some e-mails for since I figured it couldn't hurt anything even if they didn't respond. I did hear back from Bonded Adjusting and they just stated that they do not communicate to consumers over e-mail. I hadn't heard anything from Professional Finance but then checked the mail today and got a letter letting me know they would delete if I paid the full amount! I submitted the payment online today so that will take them off my list. I haven't heard from any of the others but I hadn't gotten around to sending those PFD e-mails until this past weekend, so we shall see what they do... 

 

Collection - AMERICAN COLLECTION SYS - $188 - Medical

Collection - AMERICAN COLLECTION SYS - $122 - Medical

Collection - ACCOUNT BROKERS-LARIMER - $63 - Medical

Collection - COLLECTION CENTER-WYOMING - $858 - Medical

Collection - COLLECTION CENTER-WYOMING - $384 - Medical

Collection - BONDED ADJUSTING - $303 - Medical

Collection - BONDED ADJUSTING - $59 - Medical

Collection - ARMADA CORPORATION - $183 - Medical

Collection - Professional Finance - $290 - Medical

Collection - Professional Finance - $129 - Medical

 

In the midst of everything though we did pay American Collection System but without any PFD stimulations. So would the best approach to these be a GW letter? 


If it updates to a paid collection then GW letter to the office of the CEO to ask for its removal would be good.

"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne

Message 7 of 7
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