Pay for Deletion or Credit Dispute?

[dylanchance]

Hello! My name is Brandy. I have a few questions to ask. I have been busy reading, reading, and more reading the past few weeks. I finally got up the courage to pull my husbands report and mine. YIKES very scary!My average is about 570 and hubbies is way low :eek: Now on to the questions.


How do I know which items would be better to try to pay for deletion or dispute?

A lot of what is on my credit is medical bills. They are not very old. And what is a little confusing is that I see the same amounts listed by multiple collection agencies. One even looks like its listed 3 times by the same collection agency. And some of the bill showing up on my reports show different amounts on each report. Does this make it easier for me to dispute the items?

I also noticed that I had 4 judgments on my report and I was not aware of. I have only been to court over one medical bill. What should I do about this?


And one more question, I dispute the cra first then the ca if cra verifies. Is this correct? Just wanting to make sure I got the right order.
Thanks in advance for any help!

[chane]

Yes, I would try the 1-2 punch first and I would dispute the accounts with the CRAs several times before offering a pay for delete.

You can find out more about the 1-2 punch here:

Explanation of the 1 2 Punch