craftymom

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About craftymom

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    California
  1. So regardless these will stay on the report?
  2. I honestly cannot remember receiving anything from them. I know we received notices and final notices from Kaiser. No litigation or judgment. We have not attempted to validate as we just started this journey.
  3. My husband has at least 30 collection accounts from USCB on his Experian report. Most are small but a few for $80 and $100. They were for deductible amounts for labs, appts, etc. We are now attempting to clean up our credit and not sure what to do with all of these. What is the best way?
  4. So better to leave it alone and pass SOL?
  5. I have a Crediit One account that was charged-off in 2016 and sold to Midland I believe in 2017. I have received (not the first one) a settlement letter from Midland with three options. They are 40%, 20% or monthly payments. Do I validate and take the risk of being sued since it is not past SOL?