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SERIOUS HELP NEEDED!!!

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arogers1031
New Member

SERIOUS HELP NEEDED!!!

Hi guys! This is my 1st time posting in the forums, so please bear with me.

I’m in the process of helping my partner repair her credit. She really did some damage a few year ago, after having medical issues. I’m hoping to get some advice on where to start. Any recommendations will help. Thanks!

 

Collections:

-Credit Vision (Utility Bill) $1026
(Offered her a Settlement of $516 and will delete)

 

-Credit Bureau Systems (Utility Bill) $322
(Firm No on settlement, but will delete)

 

-Fox Collection Center (Medical Bill) $389
(Firm No on settlement, but will delete)

 

-Ad Astra Recovery Service (Payday Loan) $2,589

 

CO Accounts:

-BOA (Credit Card) $1,001
(Offered her a Settlement of $700)

 

-Cap1 (Credit Card) $4,238

 

-US Bank (Loan) $652 (Last Reported in 2016)


Late Payments on Closed Accounts:

-The Bank of Missouri (Medical Loan) -90 Day (Last Reported in 2016)

 

-Regions (Loan) -60 Day (Last Reported in 2015)

 

Auto Repo:
-Chrysler Capital $14,639
(Offered her a Lump Sum settlement of $5,900)

Message 1 of 3
2 REPLIES 2
FireMedic1
Community Leader
Mega Contributor

Re: SERIOUS HELP NEEDED!!!

It appears you have been negotiating with the baddies. Which is good. If they take your offers and you can pay them. The fall off clock begins. Anything paid will always look better on your reports than owed. Keep at it and hopefully they all will accept the settlements and life can move to rebuilding.

Message 2 of 3
simplegirl
Valued Contributor

Re: SERIOUS HELP NEEDED!!!

Ad Astra Recovery will delete if it has been 2 years since the delinquency occurred.








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