Quote:
Originally Posted by DirtyDanza
let me be a little more clear....
im not looking to dispute anything... ill make a deal with each one to get everything paid off... and as far as cc cards there is only 1 small one that I will just pay off.... i just want to know the easiest way to go about it....
dispute nothing but make deals like say I owe 1000 i want to give them 100 and forget abot it and get that taken off...
not looking so much to have a better score just don't want all the negative.. which is 90% medical anyways.... and those who say medical does not go against you with loans... I just went through it and medical does hurt.. cause it hurts your score then you get nailed with the intrest... so basicly I just want to pay em all off and I guess "start fresh"
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If you don't want what could be a long, drawn out process, then absolutely negotiate a settlement with each creditor. Creditors and collection agencies love to squeeze money from a debt they may have already written off, so especially if the bills are a few years old you can often settle for significantly less than the original amount. Just start low and see where it goes from there, but don't let them try and bully you. Be absolutely certain before you give them a penny that you get it in writing from them that they will entirely remove the negative item from your credit report, and not just mark it as a paid collection, because that isn't going to help your credit much. Chances are the collection agency won't even bother removing the item, but once you show the proof to the credit bureaus they will.