I'm making the game plan for starting on my husbands CR's. He has 6 accts in collection (totally only $900) 2 are from 98, the other 4 are within the last 2 years. I want to pay for deletion, but am going to start with the validation process first. The 2 older ones are medical bills, the rest are utilities. So, I do validation, then estoppel, then intent to sue, correct? Where does the pay for deletion come into play?? At the same time I'll start writing letters to everyone I can think of, DHS, State Reps, AG--to try to get his paid Child support off his record. While that's going on, I'll be waiting for his forbearance to go thru, so I can dispute student loans with the CRA's, yet again (unless they are coming off in my current dispute) I just added him as a secondary user to my cap one, and will add him to my JC Penney, and visa also. None of these have any lates. They won't help his scores, because they are almost maxed, but our goal for the summer to pay down the balances--so in the long run, it should help him. I think I covered everything. Does that sound like a good game plan? My goal is to have a lot of this cleaned up by the end of fall. We'll see. I'm nervous about the whole validation process, afraid I'll screw up, and make things worse. I know we're just going to end up paying anyway, which is fine w/ me--for deletion. I REALLY don't want to go to court--I'm a big chicken. If you can think of anything that I'm missing, any advice is wonderful!! THANKS Tracy
Good luck with all of this. I'm about to get started bigtime too with my own credit reports. It seems to me that the deletion for pay scenario only needs to come into play if they CAN validate properly, and it would be especially good for you if you can get them on any violations during the whole disputing process, thereby increasing your odds of complete deletion (ooh la la leverage). Otherwise, deletion could be an option for settlement of your whole lovely lawsuit if/when you have to take them to court. If they can't validate properly, then, as you know...sayonara to those negatives. That would be the ideal. The last scenario I can picture for pay-for-deletion would be if they validated and there were no violations you could pin on anyone, so you could offer to settle the accounts (a lump sum payment)and include deletion of minor negatives as a condition of your payment. I'm definitely at the starting line of the credit repair track, so I am always gun shy about saying the wrong thing. Hopefully, these are actually the right contexts for your question... Good luck!
