Let her rip... FCNB/Speigel sold to Midland Credit Manage. $400 OPENED 5/1998 WFFNB/Victoria's Secret sold to Asset Accpt. $797 OPENED 4/1998 Attention LLC (medical bill) $622 PLACED 10/2001 Credit Protection (cable box ) $612 PLACED 8/2000 WFNNB/Express (expired SOL as of 7-2003) $527 Opened 7/1996 Providian sold to Colorado Capitol $797 OPENED 3/1998 Repo..no balance...most owed $18,553??? OPENED 5/2000 And there it is. My absolutley terrible credit report. My score is 500. Geesh! I've finished my settlement letters and I'm ready to start sending them out. To tell you the truth, I'm not worried about validations. I just want to pay these people and get my rating to paid. These accounts don't have very high balances, but their OLD. Which is why I'm kinda worried that these guys might pee their pants from laughing when they get my offers. All of the CA's have updated the last activities as 2002 and 2003..so their obviously still paying attention. I don't want any accounts removed (except the medical and cable collections) Should I try contacting my OC's first regaurding the credit cards or the collection agencies with my settlement offers? Has anyone dealt with any of these agencies before? All advice is totally appreciated. Thanks, Dusty Credit Dorrine
I belive so jlynn. I'm basically going to get a hold of the collection agencies and have them to remove their listing in exchange for payment. I also stated that they won't get squat unless they send me something from the OC stating all the negatives will be removed upon payment. Is that a bad idea? I thought this would be my only way to get the charge-offs to "paid".
TRY to get... PAID NEVER LATE BALANCE $0 "ACCOUNT CLOSED BY CONSUMER" If not...THEY MUST BE REMOVED TOTALLY UPON PAYMENT
