Took a $35,000.00 loan out to settle all my debts-excuse me, my father took the loan out. Wouldn't have happened. Settled on lots, smaller ones paid in full. Not enough common sense to require verification, contract(written) before money is exchanged. You know, everything we have learned from this beautiful site. Now, bunch of closed but still there showing creditor-pd. after charge off. called creditor yesterday, real nice to her. owed surgery dock. $8,000-settled at $5900. Crediter under Equif/Dr under TU Both state closed, paid after/credit, da,daetc. Asked credit lady if she could help me out-for at least paying certain %, "that was your choice to pay sir" Who pays her living-the idiots like myself trying to honestly take care of there fin. screw-ups. it aint right brother. should have waited-not paid. demanded record clear????frustrated nice monthly payment, now-love this crap
For what it's worth, I've found that paid/closed accounts are infinitely easier to get cleaned up due to the "pain in the butt" factor. Dealing with you no longer represents potential profit to them -- each and every time they now talk to you, read a letter from you or deal with you in any manner they are losing money. Additionally, for those who don't just give up to get rid of you, I have found that if you send enough letters they will eventually screw something up on your credit which gives you leverage on having the bad stuff removed. At least now you are out from under the stress of it all and can now move forward on cleaning up.
I am not 100% sure and truly many things with credit reporting change the more you bang away. But it appears to me, at least in my limited experience, that I have better luck with old (past SOL) unpaid charge offs by letting some bottom feeding CA purchase the debt, then attack them. Dog
