okay everyone...need opinions here. I have two small bills that I am about to pay off---I have enough points to do this with now---As I said I would---then will start again with saving points to pay off the next debts on my list. Keep in mind, the money that I would have paid to these two small ones that I'm paying off now, will be going to the next ones up on the list along with their regular payment as well. I feel good about this. I feel like its a reachable plan for me.
Okay-the two accounts that I'm about to pay off----exactly how do I go about doing this? Write them a letter,tell them that according to my records, I show this is what is left oweing and in return for my payoff would they please report to the bureaus that I have paid? My records show that one is $62 but my credit report shows that its $67 that is owed. Is that what I pay, the $67? I can not write and ask, this is wells fargo, remember, they haven't answered me on the BIG account that I have been trying to settle with them.
Okay--other account is $133, but its in my name ONLY. I asked this last night in another thread. I am a stay at home wife and mom. I always have been. I have a daughter with special needs and I can not work outside the home due to her illness. Husband has always taken care of us, to the point of sometimes having three jobs. so its always been his credit report that our family has depended on. In the past, when we have put in for something, it was always his report being looked at because he's the bread winner. so should I be concentrating more towards cleaning up his credit first?? maybe not pay this small debt off that is in my name only but put it towards something of his? I am working on both of our reports and paying all debts off, but was wondering if I should re-route things towards him right now?
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