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Soharis

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  1. Thank you, shipped off the 3 so far for address deletion!
  2. So what I have is unpaid priorty mail envelopes and then these stickers below. I'm unsure if I get a tracking number once I pay for it that is different than these stickers below Are you meaning I attach this Big USPS tracking label to the envelope and then affix my small one to my own copy that I keep stored at home?
  3. Update to this. The email associated with my previous username is lost so I had to use another account. I work on the COVID floor so i've been stressed and haven't been able to get to this. Her collections have rose to 10 recently because it seems like a JDB bought the debt from pheonix financial, but both CA's are still reporting. They are the exact same $ amounts and expiration date FINANCIAL NAME - EXP DATE Ability Recovery - Apr 2021 Ability Recovery - Apr 2021 Pheonix Recover - Apr 2021 (same as ability, I think ability bought the debt as its newer) Consumer Adjustment Co. – Feb 2022 Consumer Adjustment Co – Feb 2022 Consumer Adjustment Co – Feb 2022 Convergent Outsourcing – May 2022 (Non-Medical) (T-MOBILE) First Electronic - Aug 2021 M&P C - OCT 2021 Phoenix Financial – March 2022 Wakefield – April 2022 Total in collections - $2582, can easily pay all of it if needed. I plan on following the proper dispute method for all of these, but medical first. 9 of these are medical. Should I let the one's in April just go or should I dispute those too even though they fall off in 3 months? I don't want to reaffirm them somehow. I have 15 priority mail envelopes and 20+ of the free USPS tracking labels. I haven't paid for postage or stamps yet as I'm just going to pay as I send. I am however confused on some part of the mailing process Does I just put the USPS tracking receipt label on the 6X10 envelope? Or am I supposed to put it on the letter inside, the latter sounds awfully wrong, but it was a thought when I saw the word hard copy. In the heading of each letter inside the envelope to the CRA & CA can I just put PM Tracking #12345678 right above my name? Let me know, I am about to embark on this venture to fix my fiancé's credit. I eventually want to apply her income towards a mortgage and right now she is at a 650 and i'm at a 808.
  4. I'm at a 802 credit score. I've never been in collections and while I have debt, it is all student loan debt that I am paying. I've never had to help someone with bad credit before. We are both in our late 20's. Her score is around a 630 transunion and 700 equifax. I finally got a new job and moved my fiancee from Texas to NY. We are interested in getting married and getting a house/moving for her degree in 1 to 3 years. She does have some credit problems that we would like to take care of. She's never had anyone tell her how to handle credit or anything, so she is oblivious to it all. She has medical collections because her mother told her that she paid her medical bills at the time, but she actually did not, and she took her at good faith for this. I am helping her learn but it takes time. She has about 1100 to 1700 total in collections. Trans-union and Equifax somewhat show the same thing just Equifax show's t-mobile and transunion does not. All of her collections other than T-Mobile are medical based. She has 7 collections total, with phoenix financial having 3 of them all from the same date. She also has a charged off card not showing in collections. Paying them off isn't a issue as she has more then enough to pay them all in full, but I want to get everything I can off of her account. All of these collections are from texas prior to her move here in NY. The amounts I posted below are not the exact amounts but close. First Electronic Bank - 600$ - Closed End of 2014 (5 Yrs Old) - Charged off as bad debt, profit and loss write-off - (Not showing in collections, only under closed accounts) Wakefield & Associates - $600 - Opened End of 2015 Merch & Prof CollBur - $15 Opened End of 2015 Creditors Bureau USA - $230 - Opened Mid 2018 - Consumer disputes this account information, meets FCRA requirements (She told me she's never disputed anything) Pheonix Financial Serv - $124+130+91 - Opened Mid 2019 Convergent Outsourcing - $367 OC = T-MOBILE Opened - Mid 2019 I'm reading through all the HIPPA stuff on this forum but it's a lot to take in at once, any advice for us? I want to keep communication on the phone at the minimum with any CRA.
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