I have three unpaid chargeoffs on my credit report. I have been reading through a bunch of old posts, but I am still not sure what to do. Do I let them fall off, or should I try to settle so that a collection agency doesn't file a judgement against me? I guess I need some help. The companies I am dealing with are Capital One, Providian and Associates. The original balances were all $500, but now with late fees and interest they are around $1600. Please help me! Any advice is appreciated.
Try and dispute it. I have fairly good sucess with Providian, since they have changed things up. I would dispute, not my account, and you may have to send more than one dispute. Cap 1 same thing, but the best I have done is get an R5. Just try and dispute a couple of times and see what happens. Charlie
