trying to figure out what to do. I have been spending hour after hour reading and searching and did I mention reading. Right now my wifes credit is crappy (mine is even worse) but I believe hers is very fixable and I would like to attack it first. She has 5 charge off's 1 payment after collection/after charge off 3 collections for less than 500 dollars each 2 of the charge offs have been paid one just last month they were harassing her at work and she doesn't want anybody to know she has CA's after her in her position so she gave in and paid. we have the money to pay them all off but that is not going to fix her credit. I am trying to figure out a game plan we called one of the OC (MBNA) before I found this website. They told us it isn't there debt anymore and has been sold to a CA. But what I did notice is that the account number on the Credit reports is different that what I have on some of her old bills can I use this to get them deleted? I read all this stuff about validation letters so I would send them to the CA's so do I call all of the old OC's and find out who they sold the debt to? I was thinking I should send validation letters to all of the CA's then dispute them with the CRA's about 1 week later per the FAQ. If they validate I will send them Pay to delete letters and see if I can use the fact I have cash in hand for leverage. What do I do if they do not validate after the 3rd letter? also what do I do about the OC's that do not own the debt anymore can I dispute them? also I have addresses for the CA's from the her CR but who do I address them to? Sorry for the long winded post but I would like to get started soon with this.
