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The light at the end of the tunnel

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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


Edited by Soharis
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I assume that "Pheonix Financial Serv - $124+130+91 - Opened Mid 2019" is all medical?? Did she have any medical insurance at the time?? Was she covered under her mother's insurance?? Does she remember the actual dates of medical services?


Have your fiancee follow this program. It is a step by step method of getting rid of medical debt. It should NOT be used for non medical debt (for which we have a different program)

At each step she (or you on her behalf) should post any questions or results in THIS post. We will give you personalized advice along each step of the way.


(I suggest you BOTH follow this step as it will be simpler for YOU to clear up any problems YOU might have on your reports PLUS opting out helps you with applying for a mortgage in the future as it prevents the CRAs (credit reporting agencies) from selling your data.

Your fiancee (or you on her behalf) should then follow this program;

https://whychat.me/GUIDE HIPAA PROGRAM.html


The initial dispute letter to the CRAs should clear off some or all of her medical accounts.Please follow the instructions and list ALL medical accounts ONLY as they appear on the report she is disputing.



Come back to THIS post with your results or for further questions.


DO NOT dispute any non medical accounts until you have finished clearing ALL the medical accounts from her report. If you need to clean YOUR report,(without ANY medical debt) you can open up a new thread in the regular credit forum and link it to this one so that we can provide a complete "rehab" process for both of you.

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