Need Advice on Where To Start

Question

Hello there, I've been reading these forums for a while now and have been struggling to find a solid plan to fix my credit.  I make good money 80k a year for over a year now and am 26 and not married.  Solid job same company for almost 5 years too and was employed before that 2 years as well.   My TLs are : 1ST FINANCIAL BANK USA ( shows up twice on credit report however second one account number ends in 04 instead of 00, dispute? )$ 0 balance$4,792 When charged off paid in fullTransferred to another office AD ASTRA RECOVERY SERVICES$2,123 Balance - paying off $141 bi-weekly Not reporting monthly payment, says $0No account statusAsk to Pay to Delete at the end or something? Paying in full currently on bi-weekly payments ALLIANCE ONE T-mobile ( Sent me a letter offering to settle for a little over $500 )$929 BalanceCounter offer to Pay to Delete for 25% of $929 and work my way up from there? CAPITAL ONE BANK USA$0 balance was $750Status - Charge-offClosedPaid off April 2013 ( 2 + years ago ) Ask for removal? CHASE CARD$813 balanceCharge-off, ClosedAsk for Pay to Delete? CHASE CARD ( might be an error ) $749 balanceCharge-off, ClosedDispute for accurance then ask for Pay to Delete if accurate? CREDIT ONE BANK30 days late July 2014Ask for removal?Otherwise current, balance $25 out of $700  REAL TIME RESOLUTIONS$2026 balanceThis was a payday loan from Check-n-Go two years ago PORTFOLIO RECOVERY ASSOCIATES$0 balance was $1740Paid less than fullDate opened 2013 might be wrongAsk for delete?  FINEX CORP$1,496 balanceInpound debt from my car being towed years ago.  Ask for Pay to Delete? INNOVCATIVE COLLECTIONS$0 balance was $124Silly debt that I paid for failing to return my modem box to time warner when moving.  Ask to remove? I also have two small claims judgements against me:
Ace Cash Express for $2500 on 11/10/2014 Green River Industries for $315 on 04/29/2011 I need help prioritizing what to do if anyone can throw me some advice I would greatly appreciate it thank you so much !! 

Answer 1

Just a few corrections here. SOGGIE wrote:Kazuiman4 wrote:
 1ST FINANCIAL BANK USA ( shows up twice on credit report however second one account number ends in 04 instead of 00, dispute? )$ 0 balance$4,792 When charged off paid in fullTransferred to another officeSuggest sending Debt Validation DV does not apply to OC's. AD ASTRA RECOVERY SERVICES$2,123 Balance - paying off $141 bi-weekly Not reporting monthly payment, says $0No account statusAsk to Pay to Delete at the end or something? Paying in full currently on bi-weekly paymentsSuggest sending Debt Validation and PFD. Do you currently have a payment contract in place? DV would clearly be untimely and inappropriate - since debt is being paid, thats an obvious acknowlegdement of its validity. Ask about deletion after paid, if no-go, then GW after paid.
 ALLIANCE ONE T-mobile ( Sent me a letter offering to settle for a little over $500 )$929 BalanceCounter offer to Pay to Delete for 25% of $929 and work my way up from there?Suggest sending Debt Validation and PFD CAPITAL ONE BANK USA$0 balance was $750Status - Charge-offClosedPaid off April 2013 ( 2 + years ago ) Ask for removal?Suggest GW/Request removal. Search MyFico Rebuilding Threads for successful Cap One removals.
 CHASE CARD$813 balanceCharge-off, ClosedAsk for Pay to Delete?How long ago? Suggest GW/PFD CHASE CARD ( might be an error ) $749 balanceCharge-off, ClosedDispute for accurance then ask for Pay to Delete if accurate?How long ago? Suggest GW/PFD CREDIT ONE BANK30 days late July 2014Ask for removal?Otherwise current, balance $25 out of $700Suggest challenge the late.
  REAL TIME RESOLUTIONS$2026 balanceThis was a payday loan from Check-n-Go two years agoSuggest sending Debt Validation. If valid, PFD PORTFOLIO RECOVERY ASSOCIATES$0 balance was $1740Paid less than fullDate opened 2013 might be wrongAsk for delete?Suggest sending Debt Validation. If valid, GW DV does not apply to paid/settled debts.  FINEX CORP$1,496 balanceInpound debt from my car being towed years ago.  Ask for Pay to Delete?Suggest sending Debt Validation. If valid, PFD INNOVCATIVE COLLECTIONS$0 balance was $124Silly debt that I paid for failing to return my modem box to time warner when moving.  Ask to remove?Suggest sending Debt Validation. If valid, GW DV does not apply to paid/settled debts. I also have two small claims judgements against me:  Research your state laws regarding vacating of judgments if they are paid.
Ace Cash Express for $2500 on 11/10/2014 Green River Industries for $315 on 04/29/2011 Search MyFico Rebuilding Threads for successful techniques used in the removal of judgements.
 I need help prioritizing what to do if anyone can throw me some advice I would greatly appreciate it thank you so much !! Suggest starting with the accounts with zero balance, then move onward to the accounts you feel you can afford to settle.
 Good luck!  The Chase card should be top priority as its unpaid balance goes against your UTI, making it harder to get FICO points for keeping your balances low. Since you paid Cap One more than two years ago, get back in with them - they are a much better CC lender than Predator One. Kick those vultures to the curb.