Ok! I have read a few post and everyone says don't pay the chargeoff account. My account are about $2500 and my scores are 566,519,541.
I have the funds but the chargeoff accounts I think can be verified.. I have a home already but I really would like to rebuild and get a lower interest rate..
If I pay them off it will be what 2 years or more before my scores go up. I have no current debt other than a mortgage payment.
Should I apply for a secured visa card or something and with who? to rebuild credit with the current chargeoff accounts.
One reports says 16 bad accounts all except 2 are paid collection or paid charge off which will be on my report for about 5-6 years.
I have 6 account in good standing with a bank. That I would like to re-fi with I know they are going to make my pay off the two accounts.
My credit suffered while I was trying to defend myself from the DA during a custody battle. They attack me like crazy (garnisment) for false arrears that were later dismissed by the judge.
I have my kid with my now but with bad credit...