What should I do? (info inside)

Ok, Here we go.

I have Collections accounts (Medical) and they are as follows from my EQUIFAX CR:

$339--Date of 1st Delinquency 09/2000
$111--Date of 1st Delinquency 05/2001 (has been deleted after I disputed it)
$064--Date of 1st Delinquency 01/2001
$657--Date of 1st Delinquency 12/2000
$734--Date of 1st Delinquency 12/2000
$101--Date of 1st Delinquency 12/2000

And on my other Reports, those are the same, with one more added, and it is as follows:

$1866--Date Open 06/2003 (not Medical)(school related, but NOT a Student Loan)

I am in the state of CA, and I understand that the SOL is 4 years.


So my questions:

Should I contact CA's to try for a "Pay For Deletion", since I assume I have leverege, due to the SOL being up on all except the $1866 one.(and of coarse, I would get the "PFD" in writing)

If "YES" on the previous question, how do I go about doing this?



Or, Should I just wait until they fall off my CR in 1-2 Years?


Any other suggestions are welcome!!!


Here is some additional info:


My Credit Scores as of today are:
EX 601
EQ 571
TU 605

I Have NO Credit Card Debt
And 1 Paid off Auto Loan (with "4" 30 Days Late)(Still Shows "Pays as Agreed")



Thank You All in advance!!!

Rick

 

Help!!!

 

Thank you for your reply, Butch. I will go right now, and check that out..

Thanks Again!!


Rick