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  1. I've been told that the settlement I've been offered could hurt my credit if the charge off hasn't been reporting monthly (it has) should I pay it. I'm settling for about 20% of the original loan and am confused about how it reports because I've also read that FICO still reports a settlement as a charge off. I do hope to be able to finance a car again in the future so just want the best possible outcome as I don't think anyone will finance to me (even with a 660) if I have an auto charge off. Thanks!
  2. that's already been taken care of, I have my license still, just had to enter a payment agreement with the insurance company.
  3. Need my own apartment and its causing me some issues. Also need another car..(FYI: this is really the only bad thing left on my credit as I have cleaned everything else up. I just know that other auto lenders will deny outright if they see an auto charge off)
  4. I owe Capital One Auto 10.9k for uninsured wreck. I really need the charge-off off my credit report (which is the 1st priority for me) and I have a letter from a couple of months ago offering to resolve it for 2.7k over 12 months. I just got a very good job so I can pay this within 6 weeks. I really want to negotiate to have this deleted. The collection agency is Radius Global Solutions so if anyone has any experience with their leniency that would be awesome. I thought about hiring a third party to do it but from the info I've seen on here that would be dumb for me to do so. I don't want them to rescind the settlement offer through disputing it in any capacity so ANY advice would be great.
  5. I had debilitating nerve pain shooting all throughout my back. To this day I have never felt pain like I did that day, it was a weekend too so I had no other choice but to get a scan immediately. I did not have insurance at the time so I assume that it is accurate. Trust me I wish this all could've been avoided. I have great health insurance now thankfully but if I should ever not have it I will totally take your advice LOL!
  6. I have a Sprint bill for 608 from early 2015 that went into collections at that time. However, I disputed the collections on all three CRAs. It was never reported to EQ or Experian. . On TOP of that the "date opened" on CK now reads as June 28, 2019. Sprint sold debt to Convergent who sold to ERC. ERC has had it for a couple of years now however and the date keeps shifting. My other collection in Transunion (medical) still shows the original date in 2015 so why is this different? Also, how do I go about getting this accurate and/or off? I don't want to mess up and have them report it to the other two bureaus it never got reported to. I'm wondering if the dispute I filed through CK restarted the SOL? I'm in ohio so I thought they could only do that legally if I acknowledged the debt in writing. Any help is greatly appreciated.
  7. In 11/2015 I went to the emergency room and had some scans done due to nerve pain. I was placed in collections for 727. (I made a lot of n00b mistakes so bear with me) I disputed it through creditkarma and they validated the debt. I don't want to pay on it because its halfway through the process but I'm wondering if the fact that I already disputed it and all three CAs verified it if theres nothing left I can do. Creditor is Emergency Prof. Services. I have had no contact with the hospital or CA.

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