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Newb advice: which TLs are more important to attack?


MonkeyBelly
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The last post in this topic was posted 3986 days ago. 

 

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Hi everyone!

 

I have my first apparent GW success under my belt (Capital One), raising EQ to 700 per myFico earlier today. I am stoked!

I still have several items keeping me from having clean credit.

 

One is a paid medical collection (Oh how I wish I had found this board two years ago...) <-- haven't done anything yet.

One is a paid after charge-off / collection with Verizon. <-- sent a GW but no result yet

My mortgage (oooof!) has 4 30-day lates <-- GW is in the mail

An old car lease had 3 30-day lates. I have a new lease with the same company but haven't tried GW yet.

 

So if you were in my shoes, what would you attack next? And using what method?


Thank you, wise ones, for any advice you can impart upon a n00b like me!

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  • 2 weeks later...

Phew! I've read, and read, and read some more. Thanks BDK for sending me in the right direction.

 

From understanding a bit more about the impact of collections vs the impact of the late payments, I've got a plan of attack.

 

All of my 30 day lates are over 2 years old, so while I would like to address them, I don't see them currently as my most important work.

 

Because it's my most recent derogatory, and one of the most severe, I will next be working on the medical collection, which was from 2 years ago. It's only reporting on 2 of the 3 CRAs, so I am a bit hesitant. I understand the risk (I could very well end up with it reporting to all 3) and I am ready to get on with this already. I've read up on whychat's approach and am continuing to soak in everyone's experiences. The search function is a godsend.

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Don't forget there is a Medical Forum as well where you can directly ask WC himself. It is a VERY GOOD idea to start your own thread there....

 

As to the lates, it would do no harm to dispute them and see what happens. Takes no time at all, really.

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