I’m trying to clean up my credit to purchase a home next year

I’m trying to clean up my credit to purchase a home next year. I’m having a bit of a problem with one company First Premier bank card. The debt was a charge off A few years ago and I made good on the debt by paying the bad debt to clear my credit, to make a long Story short it was sold to a collection agency and I paid the debt collection agency and they corrected And zero out the amount I owe to the collection agency but still listed on my report is both companies With zero balances, as if I owe two creditors is the legal? And my second question is I owed Comcast cable in 2006, and paid the bill directly to Comcast In 9/2009 and they also has a outsource collection agency this is responsible for collecting the debt But I pay directly to Comcast cable and not the collection company them giving me a hard time About getting the information updated with the credit reporting companies, I advise them if they just Pick up the phone and call Comcast Cable Company it can be simple as that, I fax and mail proof Of payment to them and the credit reporting agency no changes or up date, no one’s doing Anything to correct the problem, they told me I will have to wait 90 to verify the information This is UN heard off….supervisor with then the company won’t call me back Comcast is no help They got their monies so they don’t care anymore……. Pls help what can I do? The last thing the unpaid medical bills effect credit? And will it prevent me from obtaining a mortgage?

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yes it is legal and proper
you were late with first premier bank and they charged you off and it shows on your report as such
they sent you to collections who report also and paid them off. so that shows a new account you paid in collections of the same bill
this is why they use collections and why one is to try hard to not let something go that far.
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alas though you might try disputing one or both and hope that they do not respond since they have thier monies and might not care
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on the comcast bill i would send a debt validation letter to the collection agency asking for legal authorization to collect
send it certified mail. Keep copies.
Then I would dispute the collection with the credit bureaus certified mail and keep copies.
That should clear the whole matter up.
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Unpaid medical Bills cause 50% of all home foreclosures in Amercia Today.
Yes They can and will AFFECT you ability to obtain a Mortgage.
Most mortgage companies, brokers, banks require not only that you have all of your bills paid in full but current to the DAY and
that you have a certain sum saved in your bank account and that your bank account have shown positive cash flow for the past 6 months to one year.
—————-
yes it is legal and proper
you were late with first premier bank and they charged you off and it shows on your report as such
they sent you to collections who report also and paid them off. so that shows a new account you paid in collections of the same bill
this is why they use collections and why one is to try hard to not let something go that far.
————-
alas though you might try disputing one or both and hope that they do not respond since they have thier monies and might not care
————
on the comcast bill i would send a debt validation letter to the collection agency asking for legal authorization to collect
send it certified mail. Keep copies.
Then I would dispute the collection with the credit bureaus certified mail and keep copies.
That should clear the whole matter up.
—————
Unpaid medical Bills cause 50% of all home foreclosures in Amercia Today.
Yes They can and will AFFECT you ability to obtain a Mortgage.
Most mortgage companies, brokers, banks require not only that you have all of your bills paid in full but current to the DAY and
that you have a certain sum saved in your bank account and that your bank account have shown positive cash flow for the past 6 months to one year.
—————-

yes it is legal and proper
you were late with first premier bank and they charged you off and it shows on your report as such
they sent you to collections who report also and paid them off. so that shows a new account you paid in collections of the same bill
this is why they use collections and why one is to try hard to not let something go that far.
————-
alas though you might try disputing one or both and hope that they do not respond since they have thier monies and might not care
————
on the comcast bill i would send a debt validation letter to the collection agency asking for legal authorization to collect
send it certified mail. Keep copies.
Then I would dispute the collection with the credit bureaus certified mail and keep copies.
That should clear the whole matter up.
—————

yes it is legal and proper
you were late with first premier bank and they charged you off and it shows on your report as such
they sent you to collections who report also and paid them off. so that shows a new account you paid in collections of the same bill
this is why they use collections and why one is to try hard to not let something go that far.

alas though you might try disputing one or both and hope that they do not respond since they have thier monies and might not care

on the comcast bill i would send a debt validation letter to the collection agency asking for legal authorization to collect
send it certified mail. Keep copies.
Then I would dispute the collection with the credit bureaus certified mail and keep copies.
That should clear the whole matter up.

Unpaid medical Bills cause 50% of all home foreclosures in Amercia Today.
Yes They can and will AFFECT you ability to obtain a Mortgage.
Most mortgage companies, brokers, banks require not only that you have all of your bills paid in full but current to the DAY and
that you have a certain sum saved in your bank account and that your bank account have shown positive cash flow for the past 6 months to one year.

In Addition-
It’s not enough to just pay off bills. One has to have 3 – 6 lines of open current and rated (12 months payment history) on the books to raise a credit score.

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THANK YOU SOOOOOO MUCH THIS INFORMATION WAS VERY HELPFULL , HAVE A BLESSED DAY

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sorry.. one more question how long does it it takes to raise my credit scores once everything paid currently my scores are 508,508,564 ,i no you said open new account, I will start with my credit union Monday with a secured loan. I have 2 credit cards and a car loan? any other suggestions ?????????

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i would say 6 to 12 months
make sure all those loans report to bureaus
thats about it

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Thanks again….

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I’m trying to clean up my credit to purchase a home next year