First timer need some help

[KarlaC]

Hi CB,

 

I have been lurking for about 3 or 4 months reading everything that I could find on here. I have been attempting to plan my attack on my bad credit. Most of my bad debt is less than one year old so I want to make sure I don't accidentally end up in a courtroom. I pulled together my statements and letters from the ca. I have a fico 3 bureau report and time.

 

Here are the damages:

 

CA: CRS

AMT: $100

LEND: MHC

STATUS :Collection Acct

Date Assigned: March, 2013

Acct holder: Individual Medical

 

CA: CACH, llc Capital One/Best Buy

AMT: $6542.00 $6541.90

LEND: HSBC/Cap1 Open August 2009, c/o 7/13

STATUS :Collection Acct account transferred or sold

Date Assigned: 7/14/13

Acct Holder: Individual

 

CA: Cach, llc BOA

AMT: $5572 $5572

Lend: BOA Opened May 2008 c/o 12/2012

STATUS: Collection Acct unpaid debt reported as loss by grantor, charged off

Date Assigned: 1/2013

 

Chase Regions

$2543 $2268

Open Jan 2004, c/o 12/13 Open 2/09 180 days past due

Acct closed by consumer/ Acct closed by grantor

Charge off account

 

CFNA

$984

Open 6/07 Closed 2/13

unpaid debt reported as loss by grantor, charged off

 

Amex,

up to date with two 30 days and one 60 days late 8 months ago

 

I am thinking I need to verify/validate debts first. I have opted out, my addresses are correct per my report and my current address is the only one attached to said debts. As I get ready to write letters, should I start with the medical or the cc debt first? This board has given me more peace about a process I have yet to even fully start and a wealth of knowledge. Any help is appreciated. Thanks so much!

 

Karla

 

 

 

[inoubliable]

Go back and get actual reports from EX, EQ, and TU. You need those reports, with a report number, to do any sort of disputes. Then delete all of your old addresses, even if they were/are correct. If the credit cards are within SOL (and it seems like it), I'd go with attacking the medical first.

[KarlaC]

Thanks so much