My name is Jac, and I'm a noobie. I've been lurking on these types of boards for 2-3 months now, and sadly, still haven't gotten a good grasp of the lingo. This is my (and DH's) situation. Our first year of marraige, and not having health insurance really depleted our credit scores. We have a Sears card in collections, approx $2,000. Recieved it in FL, and quit using it, moved (back) to OH, then to MO. Not sure if we quit paying in OH or MO. I think MO. That would make our last payment around Dec (00) - February (01). Of that I'm 99% positive. In collections. Dh has a medical bill from MO (march 2002). Approx $1,500. Never paid on. I have a $26 medical bill from OH (2005). I'm thinking I should just go ahead and pay this, right? And another medical (again OH-2006) visit for which 2 bills total are approx $500.00. Thus far haven't paid on them, but I do want to keep these as current as possible, and plan to start. We do have some random debt here and there from moving constantly. Probably $300.00 worth. Our credit scores are both approx 565. We are hoping to repair it, and improve upon it, so any help would be appreciated. Especially IRT the Sears card fiasco. Do we pay it (we can't afford to do so right this instant..lol), do we let it go, and wait for the SOL, and then start writing letters? And which SOL should we be looking at FL, OH or MO? We would love to get a loan for a house as we have 2 young children now! Anyway, that's why I'm lurking. Jac PS: I tried the FAQ links and got a DNS notice!
Hi Jac, and welcome! We are always glad to see lurkers become members and wish you the best on your credit repair journey. Which link in the "INTRO: Unofficial CreditNet Board FAQ" thread gave you the DNS notice?
