I disputed all the accounts that were negative on my reports.The 7 newest accounts were deleted. The remaining 6 accounts have SOL dates of March through July of this year. These 6 accounts total over $9000 with more than half of that being one debt owed to a property company which is the last to fall off in July. The rest are medical bills which I attempted to get removed with the HIPAA(HIPPA?) letters. They won't remove them because on the paperwork I signed at the hospital it specifically states they can give information for purposes of collecting debt.
I had a brief conversation over the phone telling them I was going to file for bankruptcy if they were not able to recall from the CA and accept a payment because there was no way I would be able to make enough to pay it back as the interest is too high. They didn't bite and said it had been at the CA for almost 6 years so they couldn't do anything about it (Liars!). Anyhow, I am not sure what to do at this point.
I recently opened a $300 secured card through US Bank. It reported to EQ the other day. Not sure what it did to my EQ score as my score is down 43 points to 557 from the disputes recently. I got a denial for a credit card in the mail the other day which stated my score was 607. I don't remember which agency that was though. TU is significantly higher than the EX and EQ scores.
I have two old student loans that are being paid off as agreed with no lates the past 9 months since I started paying them and getting my credit in order. These two loans show up three times each as they were transferred twice. One shows closed/transferred and the other shows $0 balance and pays as agreed so I probably shouldn't touch it since it is a "Positive account" and my oldest at 6 years old this month.
No tax liens, judgements, etc. Just bad debt that is in collections and student loans that are in good standing now. I am receiving another $3K in student loans this Friday so they should report as new loans soon.
What should I do? Any tips, tricks or opinions!? That would be fantastic!