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Hi All! This is my first post hope I make sense... Looking to get a few cards. It would be ideal to get about 20-25k in credit with cash back rewards with 2% minimum. I was looking for another car loan but with only 1 hard pull to get the loan. I am trying to increase my cash flow because I am dependent on very little income. I really want to get biz cards to move my debt over to 0 apr for 12 months so I can take a breather.. Im looking into a personal loan too maybe?(Idk) Current DP: Have alot of debt ‘floating’ but doing my best to keep 0% utililzation. I have 2 car loans 2 years old. So my score is 801 average and I believe I am 2/24 with 2 hps(last in apr). only have 5 cards and coupIe authorized accts. want to get as many as I can with no hard pulls. I have a business 2+years open, which Ive been building tradelines on for the last 30-60 days. (Exp says 85 rn) The ideal situation for me would be: chase: personal + biz (get in their system) Amex: another personal + biz Citi: double cash (I know Citi will deny w/too many hps) Wells: active cash Apple:(does sp still work?) And any other cards I can get pre-approved/softpull for. Am I being unrealistic? Or is this something that can be pulled off? I really want to build a business, but I’m having trouble with. Any feedback is GREATLY appreciated. Thanks for reading

Newbie here, just found out about this site tonight, hoping for some advice. Two years ago my brother took his own life. He had just retired from the military, gone into police work, moved to the state he had been dreaming of since he was a kid and bought a house. PTSD clouds all the good in your life. The reason I give this backstory is to give insight of why I am where I am now. He was my older brother, only sibling, and I tried desperately to hold onto his dream house. The mortgage was crippling to me, I had my own rent and bills (in another state where my job is)and wound up burning through my savings and then living off my credit cards. Finally, I had no choice, the house had to go. I felt like a failure. All said and done I walked away with only a lousy $20k and I owe $40k in credit cards. Here’s my issue my credit score has tanked (to put it lightly). I was at 760 before this, last month I hit 560. No late payments at all, no collections or other negatives. Just high utilization on 12/14 credit cards (maxed out). Here’s my question. I need to move for my job next May. I also need savings. I’m putting $10k in savings and going to pay the other $10k on debt. I need to bring my credit score up to rent a decent place. Do I… 1. Pay down the balances so they are not maxed out or 2. Pay off the smaller cards (I could pay 5 in full) and keep paying minimum on others. balances are approx. a. 800 b. 1200.00 c. 1900.00 d. 2500.00 e. 3000.00 f. 3000.00 g. 5000.00 h. 5000.00 i. 5000.00 j. 5000.00 k. 9000.00 All but 2 are maxed out. Of course they raised my interest rates. All but 2 are 28% or higher. 4 are over 30%. I need the biggest bang for my buck. I need to save on the minimum payments which are crushing me (I was turned down for bankruptcy by 2 different attorneys, I can’t meet the means test). I also need, as I said, to increase my score so I can rent a place. I’m working 3 jobs and doing all I can. I realize I messed up. I let emotion and grief cloud my judgement and I’m here showing my stupidity to the world. If you’ve read this far I appreciate it. Any advice?

Hello there I am new to this board, I have been going around the forum but I am kind of lost, there is just too many information, it would be great if you could direct me to forums that can help me. And bear with me this is all very new to me. I have 2 collections from rental properties that have been on my account for 2 years and they are greatly affecting my credit (Speaking 18k). Anyhow a couple of months ago I contacted the debt collectors (Big mistake I realize that now 🤧) I wanted to pay the debts off because I cant get a credit card or rent an apartment. But they wouldnt negotiate with me on a good number so I didnt proceed with paying. Anyhow, after that I disputed the collections with the 3 credit bureaus, TransUnion and Experian removed the collection but not Equifax they were able to verify. On one of the collections I have a comment "account previously in dispute – now resolved by data furnisher" I dont quite get that part. Anyways, heres the catch I didnt have a social security number back when these collections where created (I was international) I just got mine a year ago, so I think that should be used against them? How can I remove these collections -- please help! And since I contacted them recently does that mean I wont be able to dispute the collections? Thank you!

I opened a BCU secured Visa last month. At the same time I did open a checking with them but its not my main bank. I am trying to pay the card from external account that is linked and it keeps saying that I can not pay this card from an external bank? Has anyone else experienced this? I have to just pick up the phone and call them, but this seems overly complicated to me.

Iv been battling this car loan late payment with Ally financial for a year now. Iv called and sent dispute/forgiveness letters to Ally trying to get the 30 days late payment removed but they wont budge. I've always paid a lil more then what's due. Because of Covid I looked up the Fair credit act to see if there's protections for us from having negative marks on our credit during the pandemic but still no luck for me. Does anyone have any suggestion for me this is my only late payment.

I tried a 100 day trial for a mattress and didn't relies I was basically taking out a small loan. Before the trial ended I refunded the mattress and they gave me back my money and now I have a closed installment account on my report. All my payments where on time I just want to remove the closed account from my Experian credit report. My original dispute was rejected does anyone have any suggestions?

Hello, My mother recently sold her house and I am trying to help her figure out what debts to pay off, which to try and settle for less, and which to not bother with now or at all. She is looking to get another property (maybe a 15yr fixed mortgage?) and so far has a credit rating of 716, but according to the report I see the bank payoffs after the sale of the house have not been reported. These payoffs came out to about 95K. Her husband died and much of the debt is under his name, however I think due to the state she lives in, the debt is considered hers as well? The debt under his name does not show up on her report. After the sale, she has about 115K to work with, but with these remaining debts: a private loan for 10K, no interest ~4000K owed to plumbing company for repairs credit cards: ~11K in her name on 3 cards, ~1500K in husband's ~1200K owed to hospital All of the above was her now passed husband's except the 3 credit cards mentioned. In order for her to successfully purchase a new home, get rid of as much debt as possible, but still try and have something saved for emergencies or to use otherwise, what would you suggest? Is it worth seeking paid professional advice? Is there a better place to post this? Thanks for any and all help. L.

Hello guys. I’m a 22 year old who got their first credit card last year. I ended up getting 3 and was VERY dumb with them. I owe $500 to Discover, $460 to Macy’s & $1,200 to Nordstrom. I currently have closed accounts from all 3, but only Macy’s and Nordstrom have flagged my account as a charge off. Is there is ANY way to get them to delete the “closed account” and “charge off” history off my credit report. I just got my tax returns and have enough to pay them all in full. All I want is to have a CLEAN credit report as if I had just started from scratch. I just got off the phone with Nordstrom CC services and she told me they don’t do pay for delete, as they have to accurately update the credit bureau, but that if I fully pay, in 10 days, the balance on my account will update to zero, meanwhile if I do a settlement, it’ll update 30 days after the last payment has been received. I asked if I could negotiate through mail, and she said all they could do is send me a “current status letter”. I didn’t know this stuff stays on your report for 7 years. I really hate myself for this.

Just thought I would post this in order to save someone else some time. After waiting for about 2-3 months for my trade lines to post to no avail, I decided to make some phone calls to vendors who I thought may report to DNB. Here are my results: Quill - Still reports. Have to make a purchase of at least $50 and wait 19 days to pay it. (I hate this personally) Uline - Still reports. Not sure what their terms are. Grainger - Have not been able to get an account with them because they are saying you must be incorporated for at least 3 months until they approve an account with you. EzPromos - Do not report Amsterdam Printing - Do not report SupplyWorks - Do not report MSC Industrial - Do not report These are based on the individuals I spoke with in each respective business's credit department. If anyone has their purchases reporting with the vendors that I stated do not report, feel free to comment and start a discussion. Also, if anyone know of any other Net30 vendors that reports to DNB, lets start a thread.

Monifi/Mid first bank closed my account,while I realize they reserve that right, they told me in 3 different written communications that I would have access to my accounts until the 17th of November when in fact they revoked that access o. The 10th of November. Customer service has been less than helpful and has given me conflicting information. What are my options for an expedited solution? There’s 10140$ in there that they transferred right before they froze it and they continued to pull money from another account after the blocked my access. Thank you

I sent out a validation letter to a medical collection on the 1st. today the 17th i got an alert that a new account was added. The account was never removed to my knowledge but it is the same Collection but now the balance says zero. Why would they do this? I haven't received any response from them. Should I wait the 30 days to see if they remove, or move forward with another letter? Thanks for any response

I missed a payment for a federal student loan and about a week and a half ago, it hit 7 years. Isn't it supposed to just fall off? When will that actually happen? Do I have to do something to make it fall off? Thanks for your help!

Hi everyone, I am a bit confused about a letter I have received from Wells Fargo. It is an old auto loan that was charged off in 2018 (repo). I have only removed addresses and frozen lexisnexis,innovis, etc at this point. I received a letter from WF stating that due to the age of my account they are cancelling the balance, and will no longer attempt to collect. This seems strange to me that they would voluntarily cancel a debt before I've disputed anything. What should I do if anything regarding this letter. I'm hoping the credit Gods are just dropping a blessing down on me

I’m newly separated and I’m trying to re-establish my credit and financial independence. There are 4 collections on my credit report that my husband was responsible for when we were together in 2020. We both had extensive blood work done by a lab of which he was paying. We separated and he has not been paying so it went to collections and showed up on my report. I just disputed them online a few days ago and am waiting to see if they are removed. It has my name and not his. Is it even conceivable they will be deleted? My score is in the 500 range right now. I don’t have much credit but want to repair and build.

Hi Everyone, I have been at war with the big 3 for a few months now. I have had success with equifax and Transunion removing old addresses. However Experian just will not budge. Ive tried letters and calling and have gotten no where. My question is: Is it possible to dispute baddies off Equifax and Transunion, and once they remove items, to send some sort of follow suit letters to experian to get them to comply if the other two did? This is all hypothetical of course. I have not started disputing yet. Any advice would be greatly appreciated.

Hi Everyone, I requested hard copy reports from all 3. I just received my Trans report in the mail. To my surprise my report does not include date of 1st delinquency nor does it show any address identification numbers . Has anyone else had this happen to them? Do I need to request another report? Im so butt hurt, I was eager to get things rolling. Any help would be greatly appreciated.

Hey there everyone! I've been a lurker for way to long and decided it's time to get to rebuilding my credit. Thank you to everyone who has contributed on this forum! It has been a help to many and will to me also. So here are my details....🤕 Background About May 2014 I lost my job of 5 years and my apartment all in a 30 day span because life happens of course. I had some savings to stay afloat but it ran out and I couldn't run to a well paying job like the one I had fast enough. Hence, my credit went down the drain over the next year. Baddies I sucked it up and went to MyFico to get a real snapshot of my situation after pulling my three annual reports. At this time I have about 10 baddies on my CR s. Bank of America - CC that is a CO Hey there everyone! I've been a lurker for way to long and decided it's time to get to rebuilding my credit. Thank you to everyone who has contributed on this forum! It has been a help to many and will to me also. So here are my details.... Background About May 2014 I lost my job of 5 years and my apartment all in a 30 day span because life happens of course. I had some savings to stay afloat but it ran out and I couldn't run to a well paying job like the one I had fast enough. Hence, my credit went down the drain over the next year. Baddies I sucked it up and went to MyFico to get a real snapshot of my situation after pulling my three annual reports. At this time I have about 10 baddies on my CR s. Bank of America - CC that is a CO DOFD - 12/2014 DOLA - 01/2015 CL - $2,100 Deficient Balance - $2,342 Getting emails over the last few month directly from CCC trying to settle the account. Started at $1,200 or so now trying to settle account for around $700. Account falls off report in 2021. Capital One Auto Finance - Auto Loan that is a CO DOFD - 11/2018 DOLA - EQ shows 09/2018 and TU shows 07/2019 Deficient Balance - $11,767 after repo and auction Offered to settle for $2,354 in 08/2019 via lump sum or payments of up to 12 installments. Delta Community Credit Union - Auto Loan that is a CO DOFD - 08/2014 DOLA - EQ shows 08/2014 and TU shows 06/2014 Deficient Balance - $1,881 after repo auction Never offered to settle debt Dept of Ed/Nelnet - Student Loan DOFD - 04/2015 DOLA - 01/2018 Paid as agreed with only 90 days late derogs showing EQ 08/2015, 07/2015, 06/2015 TU 04/2015 - 08/2015 EXP only 08/2015 Discover Bank - CC that is a CO DOFD - EQ 04/2015, EXP 12/2017? DOLA - EQ 11/2014, TU 06/2014 Deficient Balance - $1,413 No offer to settle. CCC tried to get judgement in small claims court. CCC's attorney no showed and case was dismissed. Didn't even know about the case until maybe 2018 cause they sent court notice to prior address. Georgia Power - Utility Company DOFD - 06/2014 DOLA - 10/2015 Deficient Balance - $0 Paid balance in full after CO. Only shows on EQ on CR. Georgia's Own Credit Union - CC that is a CO DOFD - 08/2014 DOLA - 09/2014 Deficient Balance - $0 (prior $1,222) No offer to settle. Only reports to EQ and EXP. No reporting from CCC since 02/2015. Macy's - CC that is a CO DOFD - EQ 10/2014, EXP 12/2017 DOLA - EQ 07/2014, TU 06/2014 Deficient Balance - $0 Used to call like crazy but I went off on the CA and mentioned the FCRA and CFPB and they never called or sent a letter again back around 2015/2016. Portfolio Recovery - CA for OC DOFD - 02/2015 (date CA was assigned) DOLA - 08/2018 (stupidly made a payment to CA) Deficient Balance - $474 (started as $624) Made a payment in late 2018 to CA then stopped. Got a letter or two from them then they went away. OC was Synchrony Bank for a Care Credit CC. Progressive Insurance - Place with CA by OC DOFD - 04/2019 (date CA was assigned) Deficient Balance - $212 Assigned with CA Caine Weiner. Had a car repo'd and forgot to cancel the insurance. OC for car called file claim and insurance company cancelled policy once notified of the repo. In addition to the baddies I have about 8 old addresses listed under the CRAs Inquiries EQ 3 hard from two car dealers (10/12/2018, 10/16/2018, 10/19/2018) Never signed anything and it looks like dealer pulled over the phone when calling about trying to trade in car to avoid repo by Cap1 from above. 15 soft Mostly Credit Karma and Lexis Nexis from shopping auto insurance rates. TU 1 hard from 10/19/2018 car dealer 17 soft (same reasons as EQ) EXP 1 hard from 10/19/2018 car dealer 29 soft Same reason as above and some skip tracing via repo companies. Scores Fico 8 Scores EQ - 490 TU - 496 EXP - 523 Next Steps Taken Opt'd Out - 02/2020 Gearing up to get old addresses removed from CR Approved for Self Lender Account 12 installments at $48 Goals Get scores of to 600. No specific timeframe but, to be accountable 12-18 month in my case seems fair. Questions With derogs this old should I just rebuild for the year via Self Lender and maybe a Secure CC in 3-6 month and let the derogs fall off in late 2021? EXP has the complete wrong date of birth listed for me as 12/31/1987. Trying to age me I guess. Dispute this at the same time as the addresses showing proof via license? Should I settle any of these accounts? If any I would consider the Cap1 Auto loan since they offered $2358 and the balance is over $11k. PFD on the CAs or DV first? - 12/2014 DOLA - 01/2015 CL - $2,100 Deficient Balance - $2,342 Getting emails over the last few month directly from CCC trying to settle the account. Started at $1,200 or so now trying to settle account for around $700. Account falls off report in 2021. Capital One Auto Finance - Auto Loan that is a CO DoFD - 11/2018 DOLA - EQ shows 09/2018 and TU shows 07/2019 Deficient Balance - $11,767 after repo and auction Offered to settle for $2,354 in 08/2019 via lump sum or payments of up to 12 installments. Delta Community Credit Union - Auto Loan that is a CO DoFD - 08/2014 DOLA - EQ shows 08/2014 and TU shows 06/2014 Deficient Balance - $1,881 after repo auction Never offered to settle debt Dept of Ed/Nelnet - Student Loan DoFD - 04/2015 DOLA - 01/2018 Paid as agreed with only 90 days late derogs showing EQ 08/2015, 07/2015, 06/2015 TU 04/2015 - 08/2015 EXP only 08/2015 Discover Bank - CC that is a CO DoFD - EQ 04/2015, EXP 12/2017? DOLA - EQ 11/2014, TU 06/2014 Deficient Balance - $1,413 No offer to settle. CCC tried to get judgement in small claims court. CCC's attorney no showed and case was dismissed. Didn't even know about the case until maybe 2018 cause they sent court notice to prior address. Georgia Power - Utility Company DoFD - 06/2014 DOLA - 10/2015 Deficient Balance - $0 Paid balance in full after CO. Only shows on EQ on CR. Georgia's Own Credit Union - CC that is a CO DoFD - 08/2014 DOLA - 09/2014 Deficient Balance - $0 (prior $1,222) No offer to settle. Only reports to EQ and EXP. No reporting from CCC since 02/2015. Macy's - CC that is a CO DoFD - EQ 10/2014, EXP 12/2017 DOLA - EQ 07/2014, TU 06/2014 Deficient Balance - $0 Used to call like crazy but I went off on the CA and mentioned the FCRA and CFPB and they never called or sent a letter again back around 2015/2016. Portfolio Recovery - CA for OC DoFD - 02/2015 (date CA was assigned) DOLA - 08/2018 (stupidly made a payment to CA) Deficient Balance - $474 (started as $624) Made a payment in late 2018 to CA then stopped. Got a letter or two from them then they went away. OC was Synchrony Bank for a Care Credit CC. Progressive Insurance - Place with CA by OC DoFD - 04/2019 (date CA was assigned) Deficient Balance - $212 Assigned with CA Caine Weiner. Had a car repo'd and forgot to cancel the insurance. OC for car called file claim and insurance company cancelled policy once notified of the repo. In addition to the baddies I have about 8 old addresses listed under the CRAs Inquiries EQ 3 hard from two car dealers (10/12/2018, 10/16/2018, 10/19/2018) Never signed anything and it looks like dealer pulled over the phone when calling about trying to trade in car to avoid repo by Cap1 from above. 15 soft Mostly Credit Karma and Lexis Nexis from shopping auto insurance rates. TU 1 hard from 10/19/2018 car dealer 17 soft (same reasons as EQ) EXP 1 hard from 10/19/2018 car dealer 29 soft Same reason as above and some skip tracing via repo companies. Scores Fico 8 Scores EQ - 490 TU - 496 EXP - 523 Next Steps Taken Opt'd Out - 02/2020 Gearing up to get old addresses removed from CR Approved for Self Lender Account 12 installments at $48 Goals Get scores of to 600. No specific time frame but, to be accountable 12-18 month in my case seems fair. Questions With derogs this old should I just rebuild for the year via Self Lender and maybe a Secure CC in 3-6 month and let the derogs fall off in late 2021? EXP has the complete wrong date of birth listed for me as 12/31/1987. Trying to age me I guess. Dispute this at the same time as the addresses showing proof via license? Should I settle any of these accounts? If any I would consider the Cap1 Auto loan since they offered $2358 and the balance is over $11k. PFD on the CAs or DV first? Any guidance looking at my credit profile is appreciated!! 🤗

Hi All - I am new here. We are looking for help on how we can move our high APR CCs to 0% with a BT to new cards. We have the following CCs with CL info. We are looking to do BTs to 0%. We opened a couple cards but got low CL, asked for a higher CL but were denied. We opened up US Bank cards to do BTs but got CL of $500 - 600. I tried asking US Bank to increase our CL to no avail. I thought we can leverage our open CL's on other CC, meaning I can lower the CL on a Citi card with 0% util and they would give me more but the CCC said it would not help. One thing I noticed, we had been saying we earn $45k but we did not realize we earn $80k... We are not sure what to do next. I assume we should move around some CL or balances to bring the CS back up, then open a new card or raise the balance on a card with a BT offer, and do the BT. I will look into getting the CR's to review if anything is not supposed to be there. Meanwhile, these are the cards for me and DW. ME, FICO 726 owe CL CL utiliz. APR % rate until Notes FICO 726 (was 750 in Nov) Bank of A 0 17200 0% Chase Freedom 9550 13000 73% 15.24 Citi AA MileUp 0 13200 0% Citi Double Cash 3600 3900 92% 0 6/16/2022 New DW - FICO 689 Bank of A 4030 6900 58% 18.99 Bank of A 4200 6000 70% 22.99 0% until Feb 15, 2021 Citi Double Cash 2430 2500 97% 0 7/3/2022 New (Citi AA MileUp 0 19700 0% Closed) What can I make more clear? TIA for all advice!

Hi, I've gone into a bit of credit card debt that I cannot pay. 4 separate cards totalling around 25k. Amex has just emailed me saying that my account has been transferred to Zwicker & Associates for collections. I have basically no assets, just a cheap old car and household items. I moved out of the country a year ago and unfortunately have had trouble with work due to Covid and starting over here, so I ran up my credit cards. How should I respond to the coming collection letters and what are my options from here? Thanks so much.

Almost 40 days ago I sent in 3 dispute letters to all 3 CRA's. I received nothing back from EQ, EX sent me a copy of my report with no changes or notes, and TU deleted 4 accounts. Is there any way to leverage TU to help with the other CRA's? Thank You for any help!

I finally decided to attack my credit issue rather than pretend they don't exist. Here is the situation Here is my CreditKarma information... TransUnion and Equifax (both show the same items Credit Cards $0 I have a $500 secured Discover IT card that I used for YouTube TV payment and that is it. Between 10% and 30% utilization opened May 2020. My mother added me as an authorized user to her Costco Capital One card that has perfect payment history, 8 years open and a $15,000 limit. Collections $5,317 Armada Corp Total Accounts 6 (medical) Oldest age of account 2019 $3,193 Puget Sound Collections Total Accounts 2 (medical) Oldest age of account 2019 $1,814 Solverity Total Accounts 1 (medical) Oldest age of account 2019 $310 Student Loans $0 Accounts Were Garnished from my paycheck and paid Closed Accounts 4 Dept of Education/NELNET (Closed 4/2016) Dept of Education/NELNET (Closed 4/2016) US Department of Education (Closed) Opened 09/2012 US Department of Education (Closed) Opened 09/2012 I have sent debt validation letters to all three credit bureaus and this is what was verified. Where do I go from here. I was added as an authorized user to my mothers credit card (Capital One Costco) about a month ago. I hope this helps my score improve but it hasn't reported yet. I saw a 25+ point boost from my secured discover card but it hasn't helped since then. Can anyone offer some guidance as to a path for a better credit score? Thanks, BFee

Basically, below are the baddies on my reports. I know I can't do much for the lates, but I'm hoping I can work on the other ones. I’ve been lurking and researching, but not sure what to start with. Any help is appreciated. Equifax Lates: Auto loan – 10x in past 2 yrs. 8 Navient Accounts – 7x in past 2yrs. (although was in forbearance) 2 Utah Higher Edu Accounts – 6x in past 2 yrs. (must verify if was in forbearance or deferment) 1 ACS Group Account – Sold in 2016, shows as closed and current status of 120 days past due. Charge Offs: Cap One #1 = $1850 from Apr 2020, but shows as open and 120+ past due UM Old Balance from 2012 – $8k Experian Lates: Auto loan – 14x in past 2 yrs. Status says: Now paying/was a charge-off 8 Navient Accounts – 7x in past 2yrs. (although was in forbearance) 2 Utah Higher Edu Accounts – 6x in past 2 yrs. (must verify if was in forbearance or deferment) 1 ACS Group Account – Sold in 2016, shows as closed and current status of 120 days past due. Charge Offs: Cap One #1 = $1850 from Apr 2020 Cap One #2 = $613 from Oct 2019 Trans Union Lates: Auto loan – 14x in past 2 yrs. (says C/O for Oct 2018) 8 Navient Accounts – 7x in past 2yrs. (although was in forbearance) 2 Utah Higher Edu Accounts – 6x in past 2 yrs. (must verify if was in forbearance or deferment) 1 ACS Group Account – Sold in 2016, shows as closed and current status of 120 days past due. Charge Offs: Cap One #1 = $1850 from Apr 2020 Cap One #2 = $636 from Oct 2019 Collections: IC Systems (Charter Communications) = $167 Auto loan: It was almost a repo. I paid past due the same day they set it out to be towed. I was 3 months behind. Why are they saying it was a charge off? What can I do? Student loans: I was in forbearance, but Navient says they no longer change credit reports. They sent me letter confirming forbearance for those months. Charge Offs: Since they are within past year, should I try to settle, pay in full, or wait a while?

I have an AMEX charge off from 2017 its paid but I want it off my reports I've called them but the guy on the phone just kept saying nope can't take it off even if paid. I've even tried disputing them because they were reporting the wrong info but they just update with the right info. I was able to get approved for a different AMEx card two months ago so I know I'm not blacklisted I was wondering has anyone had any luck with something like this.

Living in Texas and law firm has Texas address. Was contacted by Rausch Sturm law firm who say they are representing portfolio recovery associates. They list the original owner of debt as Barclays credit card so I know it’s real. I want to pay the debt. It isn’t past the 4 year statute in Texas because original debt is from 2016. However, They do not indicate an offer. They just indicate I can contact them via phone or mail to discuss options. Should I wait till they make an offer? Should I call them or write a letter? I’ve seen websites discussing advantages of both calling and mailing so I’m not sure. I can afford to pay as much as 2000 of the listed 10k. Or can I do some kind of hardship payment plan? The law firm haven’t offered either option. Portfolio Recovery did, but I guess these guys have the debt now, so should I make a first offer or wait?

Anyone have experience pulling medical collections back from the credit agency and start a payment plan with your HC provider? Or negotiating with a HC provider for items already in collections and paying the HC a negotiated monthly amount or a one time negotiated payment then doing WhyChats system if the items are not removed from collections? The reason I ask is I have over 9 open accounts with Armada Corp (CA) totally over $15,000 and I am looking for the most efficient way to get this removed from my credit report. Thanks, BFee