I have three Charge Offs on my credit report: Bank of America $6600 NextCard $1200 Foley's $277. I want to try to start negotiating to settle or remove these items because I want to buy a house soon. When looking at my CR, I don't see the CAs who hold these accounts now. Questions: Do I send my validation letters to the OC? When negotiating, should I start off with 10% to 15% for each? Is it wrong for a CA to imply that "Bank of America" is suing currently non-paying persons when they are trying to shag you for your money? Is it possibe to get these accounts changed to paid as agreed? (The last activity for these accounts is around 2004) I have about $4500 to start to negotiate with and I seriously want to get my credit score away from 590. I am grateful for any help and your knowledge. I will keep reading the boards.
