I want to pay off all my debt for "delete" please advise

[sanfran]

I have always denied the fact that I would need good credit especially during my early adolescence years which lead to where I am at today. It was in my early twenties and with no guidance, the issue never became serious to me. I kept on putting off paying bills and credit cards till some of them went to collection and others still with original creditors. I do not owe much though; in fact, one credit card from Wells Fargo, Verizon and T-Mobile phone bills, and one small medical bill from General Hospital. Now I feel bad about this but I know there is no one to blame but me. For the first time over the past five years, I went to the bank and pulled out my credit report to see where I stand. My recklessness equals a score of 564 and that is where I stand today. Now when I look back and see that it was not worth it, it bugs me every night and I really want to put it off my shoulders as soon as possible. I have seeing so many generous and caring people on these forums, and I really appreciate your help.

 

I am not sure what to do to bring my score back up in a short time, but I am willing to pay off everything in full if that is the best way to go. And that is my question; I have the money that can pay off for all of those debts but what is the best way to achieve a shorter time in fixing my credit that way I can get back on track living appropriately? I have installment payments and I am being on time with those if that is one way of doing it.

 

I have seen on some of the posts that if I pay in full any debt, I should ask for "delete" ! What does that mean and how to do it if that is the case?

 

Thank you for your time

[sanfran]

I have always denied the fact that I would need good credit especially during my early adolescence years which lead to where I am at today. It was in my early twenties and with no guidance, the issue never became serious to me. I kept on putting off paying bills and credit cards till some of them went to collection and others still with original creditors. I do not owe much though; in fact, one credit card from Wells Fargo, Verizon and T-Mobile phone bills, and one small medical bill from General Hospital. Now I feel bad about this but I know there is no one to blame but me. For the first time over the past five years, I went to the bank and pulled out my credit report to see where I stand. My recklessness equals a score of 564 and that is where I stand today. Now when I look back and see that it was not worth it, it bugs me every night and I really want to put it off my shoulders as soon as possible. I have seeing so many generous and caring people on these forums, and I really appreciate your help.

 

I am not sure what to do to bring my score back up in a short time, but I am willing to pay off everything in full if that is the best way to go. And that is my question; I have the money that can pay off for all of those debts but what is the best way to achieve a shorter time in fixing my credit that way I can get back on track living appropriately? I have installment payments and I am being on time with those if that is one way of doing it.

 

I have seen on some of the posts that if I pay in full any debt, I should ask for "delete" ! What does that mean and how to do it if that is the case?

 

Thank you for your time

[Repairerer]

Identify whether these are collection agencies reporting, or the original creditors, or both.

 

In my experience, Wells Fargo does not like to play, so I would forget about that one just for now.

 

For the cell phone bills, I would attempt to pay the providers directly if possible. Many people had success with doing that, and then disputing off the collection agencies.

 

For the medical collection, I would go to the medical subforum here and read up on the HIPAA process. You may even want to do that first.

 

Good luck!

[sanfran]

what you mean when you say I can forget about wells fargo for now because they do not play ?

 

Thank you again