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NikJ4 wrote:HappyDays, I have so much to list I would be embarrased to list them all. Plus, I dont think this thread would hold all that to be honest. I have some things that are medical collections that are currently not on my credit report. I have other things that are on my credit that are just regular collections. This is not to even start with the stuff that i have lates on. Trying to organize all this mess is about to drive me crazy.
NikJ4 wrote:what about the stuff that is not on the credit reports yet? Should I start with those and pay before I start with the crdit stuff. You are right. I have more than what your daughter has in total but it is each report has something different. That is what is bugging me.
WantA1Credit wrote:Personally, I know that it is overwhelming but I would work on them simultaneously. Organize your data first- maybe you can dedicate a few hours one day to organize everything? Spread it out on the kitchen table, have your highlighters, paper, pen ready and try to get everything in order.I would contact the companies that aren't currently reporting and ask what their policy is on reporting to the credit bureaus. Most companies will tell you this information. I have one bill I have been paying down forever and they said as long as I cooperated they wouldn't put it on my credit report and they never have. It is showing from the OC but not as a collection item. From my understanding a collection is far worse than just a negative or charge off item. When you call- take detailed notes- use a notebook or whatever works best for you and staple the information to the most recent bill.It does take some time but the pay-off is great.
I am very fortunate in that I have a separate area in our laundryroom/classroom (I homeschool DDs son) that I can spread everything out on. You need to get a good feel for what you owe in non collections before you start calling anyone, so make a list.
Definitely gather all of your supplies, put them in a WalMart bag if you have to, just to keep them all together. This makes the task easier if you have to start and stop in between kids, dinner, etc.
I would strongly advise you to be careful how much information you give a CA. Have a plan before you call them and make sure they do not talk you into paying more each month than you can afford. Personally, I would send them each $5.00 a month to start, they will take whatever you send. It's difficult to give you advice when you don't even know what you are looking at.
Try to get as much down on paper as you can. Separate medical from non medical and lets go from there. Newest bills first so CR doesn't get slammed while you are doing clean up. Yes, simutaneously, but separately.....we don't want anymore going on the CR if we can help it.