She is currently enrolled in a credit counseling program and several of the accounts showing balances have been sent to collections. Should she continue with the credit counseling program or contact the OCs directly and try to deal with them? Would they deal or is it now in the hands of the CAs? Thanks for the help. electronics store card (Individual) Account Number Not on record Account Type Revolving Credit Limit (High Credit) $1,526 Minimum Monthy Payment (Terms) $34 Date Opened May, 2001 Date of Last Activity September, 2003 Description Consumer credit counseling Charge Last Report on July, 2004 Balance Current status Past Due Amount $1,514 120+ days past due $251 Recent Payment History Seven Year Payment History 30 days late: 4 4 30 days delinquent 60 days late: 3 3 60 days delinquent 90+ days late: 9 5/2004 4/2004 3/2004 6 additional 90+ days delinquent -------------------------------------------------------------------------------- VISA card (Joint) Credit Grantor Contact Information Not on record Account Number Not on record Account Type Revolving Credit Limit (High Credit) $4,500 Minimum Monthy Payment (Terms) $0 Date Opened July, 1999 Date of Last Activity May, 2002 Description Account closed by consumer Paid account / zero balance Last Report on July, 2004 Balance Current status Past Due Amount $0 Pays account as agreed Recent Payment History Seven Year Payment History 30 days late: 0 60 days late: 0 90+ days late: 0 -------------------------------------------------------------------------------- revolving credit account (Individual) Account Number Not on record Account Type Revolving Credit Limit (High Credit) $1,522 Minimum Monthy Payment (Terms) $27 Date Opened December, 2001 Date of Last Activity November, 2002 Description Charged off account Credit Card Last Report on July, 2004 Balance Current status Past Due Amount $1,372 Bad debt/collection $495 Recent Payment History Seven Year Payment History 30 days late: 2 2 30 days delinquent 60 days late: 2 2 60 days delinquent 90+ days late: 4 4/2003 3/2003 2/2003 1 additional 90+ days delinquent -------------------------------------------------------------------------------- revolving store card (Joint) Account Number Not on record Account Type Revolving Credit Limit (High Credit) $159 Minimum Monthy Payment (Terms) $0 Date Opened July, 1999 Date of Last Activity December, 2001 Description Account closed by consumer Charge Last Report on July, 2004 Balance Current status Past Due Amount $0 Pays account as agreed Recent Payment History Seven Year Payment History 30 days late: 0 60 days late: 0 90+ days late: 0 -------------------------------------------------------------------------------- revolving store card Account Number Not on record Account Type Unknown Credit Limit (High Credit) Minimum Monthy Payment (Terms) $0 Date Opened July, 1999 Date of Last Activity January, 2000 Description Charge Last Report on July, 2004 Balance Current status Past Due Amount Lost or stolen card Recent Payment History Seven Year Payment History 30 days late: 0 60 days late: 0 90+ days late: 0 -------------------------------------------------------------------------------- revolving account Account Number Not on record Account Type Revolving Credit Limit (High Credit) $318 Minimum Monthy Payment (Terms) $20 Date Opened August, 2000 Date of Last Activity January, 2003 Description Charged off account Charge Last Report on July, 2004 Balance Current status Past Due Amount $297 Bad debt/collection Recent Payment History Seven Year Payment History 30 days late: 1 1 30 days delinquent 60 days late: 1 1 60 days delinquent 90+ days late: 16 6/2004 5/2004 4/2004 13 additional 90+ days delinquent -------------------------------------------------------------------------------- revolving store card (Individual) Credit Grantor Contact Information Not on record Account Number Not on record Account Type Revolving Credit Limit (High Credit) $571 Minimum Monthy Payment (Terms) $10 Date Opened August, 2000 Date of Last Activity July, 2004 Description Consumer credit counseling Charge Last Report on July, 2004 Balance Current status Past Due Amount $230 Pays account as agreed Recent Payment History Seven Year Payment History 30 days late: 2 2 30 days delinquent 60 days late: 1 1 60 days delinquent 90+ days late: 15 4/2004 3/2004 2/2004 12 additional 90+ days delinquent -------------------------------------------------------------------------------- department store card (Joint) Account Number Not on record Account Type Revolving Credit Limit (High Credit) $800 Minimum Monthy Payment (Terms) $0 Date Opened April, 2000 Date of Last Activity July, 2002 Description Charge Amount in H/C column is credit limit Last Report on July, 2004 Balance Current status Past Due Amount $0 Pays account as agreed Recent Payment History Seven Year Payment History 30 days late: 0 60 days late: 0 90+ days late: 0 -------------------------------------------------------------------------------- department store card (Individual) Account Number Not on record Account Type Revolving Credit Limit (High Credit) $2,700 Minimum Monthy Payment (Terms) $0 Date Opened April, 2001 Date of Last Activity September, 2003 Description Account transferred or sold Credit Card Last Report on June, 2004 Balance Current status Past Due Amount $0 Bad debt/collection Recent Payment History Seven Year Payment History 30 days late: 4 4 30 days delinquent 60 days late: 2 2 60 days delinquent 90+ days late: 5 2/2004 1/2004 12/2003 2 additional 90+ days delinquent -------------------------------------------------------------------------------- revolving account (Individual) Account Number Not on record Account Type Revolving Credit Limit (High Credit) $716 Minimum Monthy Payment (Terms) $0 Date Opened August, 2000 Date of Last Activity October, 2002 Description Account transferred or sold Charge Last Report on September, 2003 Balance Current status Past Due Amount $0 120+ days past due Recent Payment History Seven Year Payment History 30 days late: 3 3 30 days delinquent 60 days late: 1 1 60 days delinquent 90+ days late: 5 8/2003 7/2003 6/2003 2 additional 90+ days delinquent -------------------------------------------------------------------------------- credit union installment account (Individual) Credit Grantor Contact Information Not on record Account Type Installment Credit Limit (High Credit) $500 Minimum Monthy Payment (Terms) (9 Months) Date Opened November, 2001 Date of Last Activity May, 2002 Description Unsecured Last Report on November, 2002 Balance Current status Past Due Amount $0 30 days past due Recent Payment History Seven Year Payment History 30 days late: 3 10/2002 2 additional 30 days delinquent 60 days late: 2 9/2002 8/2002 90+ days late: 0 -------------------------------------------------------------------------------- finance account Account Number Not on record Account Type Unknown Credit Limit (High Credit) Minimum Monthy Payment (Terms) $0 Date Opened July, 2000 Date of Last Activity December, 2001 Description Charge Amount in H/C column is credit limit Last Report on December, 2001 Balance Current status Past Due Amount Account is inactive Recent Payment History Seven Year Payment History 30 days late: 0 60 days late: 0 90+ days late: 0 -------------------------------------------------------------------------------- revolving account (Individual) Account Number Not on record Account Type Revolving Credit Limit (High Credit) $132 Minimum Monthy Payment (Terms) $20 Date Opened October, 2000 Date of Last Activity February, 2001 Description Account closed by consumer Paid account / zero balance Last Report on November, 2001 Balance Current status Past Due Amount $0 Pays account as agreed Recent Payment History Seven Year Payment History 30 days late: 0 60 days late: 0 90+ days late: 0
too much info..you shouldnt post that much personal info on here..many CA's read this site. just trying to be helpful. if you can edit it, i'd do it..especially those partial account numbers and such
sorry Im a bit new here however my time passed for the edit I emailed the admin though. I was thinking she could just contact a few of the smaller debts and pay those off and then start sending in payments or make payment arrangments with the CAs. Does she have too many marks to try and repair. My feeling is she is pretty far down the drain, but I have heard about great sucess with people on this forum. Thanks for the advice.
