Need Help with Writing Letter to Asset Acceptance

[StartinOver]

Well, I was convinced I might as well leave it alone. THEN yesterday I received a letter in the mail from another CA that was taking this debt on behalf of Asset Acceptance for the OC of Dell.  SO, today I wrote DV letters to both of them. Hopefully this will turn out positive for me, since it can't get much worse. Only good thing is that it is past the SOL.

They are starting to come out of the woodwork now. You would think they are reading this forum and actually know who I am. As though I am wearing a sign that reads I AM A SUCKER, COME GET ME.  I just got another CA in the mail today and will do a DV. I think this one is actually over 7 years old, I will have to research it. It might not have hit my credit report.

If I can just get ALL the lates goodwilled off my student loans, I feel there is hope for recovery. If not, then nothing matters, as it will take too much time and I can get a house when I am tetiring on $1000 a month, lol, with no car, and owing $40k or more in student loans.

I just signed up for ScoreWatch. I did not know that you could not wait to pull your report, it does it automatically, sigh. Anyway, I see that over a year ago, when I first wanted to clean up my credit, my score actually went up quite a bit after I stopped Scorewatch and was no longer monitoring it. I reached 665!  Anyway, today it is 580. Hopefully I can get it up fast enough and the 13 lates off, so I can get a mortgage before the tax rebate ends.

Message Edited by StartinOver on 12-08-2009 10:24 PM

[Anonymous]

StartinOver, have you opted-out with the credit bureaus? If not, you should do so ASAP. It puts the brakes on the credit bureaus tipping off the CAs that you're working on repairing your credit (they sell information to CAs).

There's a link in my sig-line for opting out.