I recently found your website while browsing "credit help". You have provided some useful tips, which I plan to use. My past credit history is pretty bad (mostly charge-offs and one judgement for a medical bill), although somehow I have managed to obtain a high interest car loan and 2 lines of credit in the last 2 years, with no late payments. I am a divorced mom (deadbeat ex, no child support, left me with bills, etc..) I am now at a point where I can TRY to pay off the old unpaid bills and chargeoffs (anywhere from 2-7 years old). My question is How do I prioritize which ones to pay first? I can't do them all at once. Mostly they are several small medical bills which have gone to collection, a couple of department store cards written off as charge-offs and then duplicated by collections, and one small utility bill that went to collections. The largest is the judgement (medical bill) for $1200.00. Suggestions on prioritizing? Which ones should I try to negotiate?
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forget the judgment if it is more than 2 years olds
as nothing more can be done to your credit and paying it probably will not help
With the collections i would go, one by one, with the debt validation and follow ups.if they can validate the debts
then negotiate as best you can and hope for the best.
start with the collections that are the freshest and the least.
then work your way to older and higher as you go.
Monday, February 04, 2008
Fix my credit. Prioritize judgments and collections for payment and negotiation
Posted by
OskieGuy
at
2:25 PM
Labels: collection, get new good credit, judgments, negotiate, remove judgment
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