Ok. So here is my game plan for these 13 accounts - would love anyones comments/thoughts/suggestions: 1) AMEX Settled Chargeoff from 9-2005 - I have called and it seems like there is nothing that can be done with this account except wait 3 years to be removed - if anyone has any ideas, please let me know 2) AMEX Settled Chargeoff from 6-2006 - same as AMEX above 3) Prosper Marketplace chargeoff with balance - They have agreed to remove the chargeoff and mark the account paid as agreed if I pay in full. 4) Prosper Marketplace - They have agreed to remove the chargeoff and mark the account paid as agreed if I pay in full. 5) Capital One - Chargeoff with Balance - I sent a PFD a week ago with no response. From what I hear on these boards, Cap One doesnt seem to do PFDs so was thinking of just paying it off in full in the next 2 weeks if I dont hear from them. 6) - Chargeoff with Balance - they have agreed verbally (I am trying to get confirmation in writing) that they will do a PFD if I pay in full. 7) Bank of America - Account is 120 days past due - I am going to pay a few payments next month to get it current - then ask for some goodwill on the late payment reporting. 8) Countrywide Loans - 2 30 day lates in the past year - I have mailed and faxed a GW letter - waiting on response 9) Bank of America mtge - 1 30 day late - I have mailed and faxed a GW letter - waiting on response 10) Wells Fargo Auto Finance - 2 30 day lates - not much that appears to be done with this one - I have a called and they have been nasty. 11) Wells Fargo Credit card - 1 30 day late - I have mailed and faxed a GW lettwe - waiting on response 12) Wells Fargo Credit card - 1 30 day late - I have mailed and faxed a GW lettwe - waiting on response 13) American General Loan - 1 60 day late - not pushing this one - I had other lates they didnt report so I am thinking of just letting this sit. sorry for the long email but I have a lot of items to deal with.
