Where do I start in cleaning up this credit mess?

[sfcastro77]

Okay here it is in a nutshell.... This is the baddies that are haunting me. My question is where should I start? What would you do?

 

1. 5 charged-off and paid student loan collections from Citibank last reported activity on all these was back in 2008. (I have sent a GW letter regarding their removal)
2. Midland Funding is reporting to all three credit bureaus a debt for a JCPENNEY card (see #5). They are reporting to TU $1174, to EQ $1182, and to EX $0. (I disputed these debts a long time ago) It also appears they are double dipping on my credit report, but I won't know till I receive the actual hard copied reports from the 3 CB's
3. I have a total of 14 separate medical collection through Paramount Recovery for Questcare. These total over $5000. I did try PFD and they refused they instead were willing to list it as PAID. I did pay one to see what would happen. They did report it as PAID and it removed the derogatory remark and the date didn't change. (I am not sure if I should touch many of these....they will fall off in the next 3 years).
4. RJM Acquisition LLC collecting for Compass Bank in the amount of $911 and reporting only to TU and EX. This one should fall of next year they did offer me a settlement for PFD, but they are falling off next year.
5. JCPENNEY's is showing up on my EQ report only showing an open date of 08/01/2001; a credit limit of $0, a monthly payment of $34; a balance of $693; a last reported date of 07/01/2009; it shows closed, and amount past due of $242??????? This is also being collected by Midland Funding (see #2) This is only on EQ, but shouldn't it be removed since Midland is trying to collect it. It is due to fall off next year. I think???
6. Commonwealth Financial collecting for I believe Questcare in the amount of $350. Reporting to TU and EQ. This one is a recent debt from 2013.
7. OHHHHH and last, but not least I owe $41,000 in defaulted student loans through Texas Guaranteed OC is Citibank see #1. (I just started the rehabilitation program and will be completed with it in December 2014).

So this is it. What should I do with all this? You all give the best advice so I know I have come to the right place. I can use some help. Thank you.

[LKH]

ttt

[mendelssohn]

To start, I would go over to the medical forum and do WhyChat's HIPPA dispute. Once that is completed, you can work on the other things.

 

Are all of your student loans in rehab?

[sfcastro77]

To start, I would go over to the medical forum and do WhyChat's HIPPA dispute. Once that is completed, you can work on the other things.

 

Are all of your student loans in rehab?

Yes. All my student loans are in rehab. I will go ahead and look at the WhyChat HIPPA things; that would take care of a huge chunk of my debt if successful. Thanks.