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  1. I ended up doing the Access One. 12 months, 0% no credit check or reporting. Could have done up to 5 years at 4%, but I can pay the monthly payments with my HSA debit card and at the rate that accrues I'll have it covered in 4-5 months.
  2. Thanks for the response. Part of it is that I have very little time to do anything. Since the pandemic era I have a "day job" with mandatory overtime as well as business requirements that leave me with little time to do anything else. Can't even go to stores and do basic errands except for a very small window 1 day a week. I tried emailing, can only call regular business hours. I don't disagree with you. I was turned down after explaining the whole situation, for any flexibility. I was told basically collections or get a loan for the full amount. I will sort it out this week. Thanks for the co
  3. The charges to me look legit. I've paid 2 smaller bills and this is the "big bill." This one is literally 100 times as much as the next one. The allowable charges were knocked down considerably. I had a lot of tests and lab work, scans, IVs, etc. As mentioned I have a "high deductible." Thanks, I've done some more research. Something I read claimed that paid medical collections were removed, but it looks like that only applies if they are paid by an insurer. The Experian website says that all the major CRAs will not report medical for at least 180 days. So it looks like if it is s
  4. Am I correct that once sent to collections a medical debt can't show up on credit reports for 180 days? Is it also true that once PIF, medical collections have to be removed? long term, that's all I really care about. My reports have 0 collections and I plan on keeping it that way. Background: Had to go to ER with (still) unknown medical issue back in Nov. I've been working in extreme pain since then. I have a HDHP with HSA so I hit my deductible and yearly out of pocket in 1 shot. They billed $XX,XXX. Insurance negotiated billing knocked it down into the high 4 figures, then insur
  5. I agree with the advice you've been given. That said i'll share a couple points from my experience since I had no choice but to pay off a Carvana loan and buy another car after 9 months myself. 1. The extended warranty can be cancelled and you get a prorated refund. They say it takes 4-6 weeks for the refund but I got mine (credited to the loan) in about 2 weeks. 2. In many states if you trade a car in or replace a car you can receive a credit for the sales tax. Since that was a point of emphasis in some replies I thought I would mention that. I think it really depends on the
  6. On the issue of bi-weekly (26 checks per year) pay cycle, if anything I find that helpful. A lot of my co-workers and others basically budget on twice a month pay, paying 1/2 "bills" from each check and either getting "ahead" on every bill by some point in year and/or having 2 "extra" checks and avoiding debt and getting behind on anything. I worked a lot of restaurant and retail type jobs that paid weekly when I was younger and then sort of skipped any traditional "professional" employment. So that was the norm for me. Then when I started running my own payroll I have always paid
  7. True. I wondered why a local antiques dealer was calling me on behalf of the IRS.
  8. Experian says different. So tell me, oh wise one, what percentages if any mean anything at all? 0% Nothing. 99% Nothing. Nothing means anything, we just deal with random numbers here.
  9. I'm assuming this has something to do with why my private US Bank loan is no longer serviced by Great Lakes (I was very happy with them) and has been transferred to Firstmark (which won't let me register for online access when I have a payment due), but I don't get it. I've had several student loan servicers and the only one that's caused any issues is Navient and that seems to be a common experience.
  10. YMMV, I had some go for as low as 20% less than a year after default and others stick at 55-60% or so and go through with suits when I had no income or assets. I was able to settle most for 20-40% and some of these were at their request. This was a long time ago, though. I am not sure what the current settlement environment is like except for old judgments.
  11. I have been browsing Carvana and did the pre-approval thing. Said I was conditionally approved for 45 days and lets me "build my deal" for all the cars. Looks like I can finance any car they sell as long as my down payment is sufficient. While the rate is better than expected, I think I can get it down a few more points easily if I wait a bit. All of my info from the pre-approval such as my income is easily documented. Mentioned it to my friend as he's looking for a car. He has a paid off car he bought new through manufacturer several years ago at very high rate (in the 20s). He shares th
  12. That is not a "slight" increase! Fair enough. I characterized it that way since it was still under 30% and in actual dollars pretty small since debt really didn't go up, just a function of reporting timing. Any way I was just trying to list any factors besides the updates/non-deletes.
  13. While TU was easy to get 14 things removed, it seems like Experian isn't budging. I have 3 updates/notifications and so far they are just updated and not deleted. While TU score increased 20ish points, in the same time frame Experian increased 40 points (most likely due to utilization from 60% down to 17%) and then decreased back down all the way after 3 updated collections and slight 17% to 29% utilization increase. I guess worst case most of these things will fall off in the next 4 months regardless.
  14. The "in writing" advice stands for anything that may require proof later for a lawsuit, regulatory complaint, etc. For an early obsolete dispute you are basically asking the CRA for a favor. No one should expect to sue if you ask for a favor and the answer is no. Of course. I guess it was more that "don't use the phone" goes along well with my general life policies, as I really don't in general. I like having things in writing, whether it's something that opens me up to more hassle or not. I have a record of what was requested and the results, that are not subject to verbal argume
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