Currently sitting at a 520 for my FICO score, and just recently scinged up for sky blue credit repair. Yes I know it's a servive I'm paying for that I could do for free myself, but with being a full time student and working two jobs, I'd rather just let some people who are experienced help me.
I'm just wondering if there is anything I can do myself on top what they will be doing. The main things affecting my credit are a medical bill, and a mutitude of late payments on nmy student loans.
I've tried calling a negotiating a Pay for Delete deal with the medical bill, but was told they don't do that.
I also tried calling my loan provider and trying to negotiate something, Given I'm back in school, my loans are considered current, but I asked if i could make a series of advanced payments over a period of time to show a good payment history, if we could possibly get some of my negative items removed, and they told me that was a no-go as well.
Is there anything open to my to try myself, or should I just let sky send in their challanges and hope for the best?
Usually when you work with a credit repair company they don’t want you to do anything in regards to your credit report.
Save your $79 a month. @gdale6 had a sure fire way to get that med collection taken care of. Whats the name of the student loan comapny or is it is fed loan? Many here can help you in that regard. Student loans were much different in the 80's, so I'm no help in that dept.
Welcome to the board OP
Medical collections are some of the easiest to get removed from your CRs, here are the steps that you should follow to address them:
1. Call the OC and see if insurance can be billed, (or-rebilled), collections ultimately paid by insurance get removed per new rules that came from CRAs settlement with 22 state AGs. 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, this process cannot be discussed in any forum of myFico.
Note that this board's terms of service do not let us discuss credit repair services, so if there are some "missing pieces" in how people respond, that is probably the reason.
If you don't have some good accounts, it may be worth getting 1-2 that are easy to open (like an Open Sky secured card or a Self Lender secured installment loan) so some positive stuff is showing up. As for the other items, I would do nothing to avoid stepping on toes or sending mixed messages.