Hey Guys-
So I finally paid all of the balances on my open accounts and my score moved to a whopping 538 
though it's still low its an improvement from the 499 I had 3 months ago. Well now I'm trying to attack my collections accounts and need some advise as to where to start. Please offer any steps/help that you can I have about $900 and would like to know where to put it for the best results.
Collection agency 606YC13027
Original balance $740
Current balance $989
Date assigned Oct, 2011
Collection agency 401YC03417--???------should this be my last priority? it's an eviction..
Original balance $4,033
Current balance $4,033
Date assigned Jun, 2008
Collection agency AFNI
Original balance $329
Current balance $329
Date assigned Sep, 2011
Collection agency Afni
Original balance $329
Current balance $329
Date assigned Sep 08, 2011
Collection agency IC Systems
Original balance $224
Current balance $224
Date assigned Mar, 2009
Collection agency Credit Coll
Original balance $476
Current balance $476
Date assigned Oct 20, 2008
Collection agency Rjm Acq Llc
Original balance $319
Current balance $319
Date assigned Jun 30, 2009
Collection agency Allied Coll
Original balance $99
Current balance $136
Date assigned Jul 15, 2008
Collection agency Rjm Acq Llc
Original balance $426
Current balance $426
Date assigned Jul 29, 2009
Hi
I had a couple of RJM accounts, settled in full, then disputed with CRA's, RJM did not respond to dispute and both were removed from credit reports. YMMV, but I do read of a lot of success in getting their tradelines removed.
Starting Score: TU 573 Exp 523 Lender Pull, Eq 583
@mzicare wrote:It is two seperate AFNI collections so would I PFD or pay and then ask them for a GW?
The correct ones are here:
Collection agency Afni
Original balance $171
Current balance $171
Date assigned Dec 02, 2008
DOLA 05/2005
Collection agency Afni
Original balance $329
Current balance $329
Date assigned Sep 08, 2011
Send them PFD's, You may be successful with them!
@courtney091082 wrote:I think RJM is one that takes PFD really easily plus that one has a really small balance, you might do a search and find more info on them on the board .. good luck!!
+1
