Hey everyone, I’m wanting to start repairing my credit and it’s long over due. I currently am sitting at 570 with experian. I have 4 main debts that I’m trying to tackle.
1.) Credit Control - T-Mobile $268
Began Reporting Nov 2025 (I didn’t return a piece of equipment) 😩 I know this one is hurting as it’s newer.
I called once asked for pay to delete, was told T-Mobile doesn’t do that. I’m going to call again today.
2.) Acima Digital - Balance $935 Charged off March 2021 reporting until Aug 27.
This one I’m not wanting to pay at all for a TV that was $400 dollars that they decided to do a 12 month instead of the 3 months that I thought I was doing.
3.) Jefferson Capital - Lull $1,084
Reporting until June 27 continues in collections.
Have not called them yet.
None of the companies have responded to emails I have written with other than the standard here’s our portal.
I’m waiting to buy a car and these are hurting.
With these debts as they are is it worth to keep fighting for pay to delete? Do I just pay and that helps over what is current reporting? Or do I just wait the year and get the two bigger ones to fall off?
I don’t make lot of money so just paying for wherever isn’t really an option but wanting to tackle them and rebuild.
Thanks for any advice you have or strategy.