Hey, I'm an intelligent guy, but I've been making way through this and other websites, credit repair faqs and I'm still a little hesitant to jump right into things. Anyone willing to guide me a bit, help me plan out a strategy. I'm looking for a credit repair mentor Thanks.
Hi, I would love to be a mentor, but I can't because I've just really started here myself, but I can tell you that between reading this board, and the VERY helpful people here, you will be your own mentor in no time. Remember: Read this board Read this board only and Read this board often. Good luck, and take your time, it will all come to you.
Hmmm. Opinions, anyone? My report has two unpaid charge-offs, one paid charge off (which is listed as positive in one report and negative in another), two collections accounts under $65 each and one listing simply reporting a card as being lost or stolen. Most people say to go after the most damaging account first, which would be one of the unpaid charge-offs, but is it better to pay off the two collections accounts and then go after the more expensive charge-off? If I go after the two collections accounts, what's my first move? I don't want to call them because I don't want to start getting calls from everyone else I haven't gotten to yet, so do I send a letter offering to pay the amount in exchange for a deletion? Thanks for your help!
Although everyone is different, you could probably dispute the oldest things first? If the paid chargeoff was recent, they might still have all the info on file. If you do ask them to delete for payment, make sure you get it in WRITING. I know you can dispute anything you want, any way you want. (not mines, incorrect date, wrong amount). I was lucky, because the majority of my stuff was old (5 and 6 years). There is a wonderful thread that tell you what NOT to do when you are just starting out. http://consumers.creditnet.com/stra...hreadid=27438&perpage=20&pgnum=1&pagenumber=1 Good luck.
WOndering if anyone has had luck with AT&T/Verizon. The two relatively inexpensive accounts in collections that I was considering just paying off in exchange for a deletion are interesting because I never signed anything or gave a deposit at all. I just did everything over the phone in like 1999. So does that mean if I go the validation route they'd find it difficult to prove? My only concern, which I've stated, is that I don't wanna send letters requesting validation for small things I can pay and then have the cc companies I ower the most to (from charge-offs) come after me - I wanted to go after them first. But what do I know.
