Due to unemployment in my past, I havce some accounts that went unpaid and I couls really use some advice/guidance on how to get these taken care of (Hopefully removed!!!) I have 2 Household/Beneficial Accounts which haven't been paid in quite a while. The specifics on the accounts are: First Household Account: Trans Union Household Finance Updated 9/00 Balance $4274 Opened 1/98 Most Owed $4274 Past Due $742 >Status as of 9/00: 120 days past due< In prior 35 months from last update 22 times 90 days. 1 time 60 days. 3 times 30 days late. Max. delinquency of 90+ days occurred in 1/99. Equifax Household Bank Na Date Opened 1/98 Months Reviewed 30 DOLA 7/98 High Credit $4274 Terms 106 Balance $4274 Past Due $742 Status R5 Date Reported 9/00 Previous Pmt History: 3 times 30 days late; 6 times 90+ days late Previous status: 6/00 â?? R5; 10/99 â?? R5; 9/99 â?? R5 Experian Household Bank Date Opened/Reported Since 1-98/10-97 Date of Status/Last Reported 2-99/9-00 Type/Terms/Monthly Pmt Revolving/NA/$106 Limit/High Balance $4274/$4274 Recent Bal/Recent Pmt NA/ Status: Open/Past Due 180 days Acct History: 180 days as of 2-99 to 9-00 150 days as of 1-99 120 days as of 12-98 90 days as of 11-98 60 days as of 10-98 30 days as of 9-98, 5-98, 4-98 As of 9-05, acct scheduled to go to a positive status This acct is still open on all 3 CRs!!! -------------------------------------------------------- Second Household Account: Trans Union Household Finance BNFL Finance >Placed for Collection< Updated 12/99 Balance $912 Opened 2/98 Most Owed $773 Closed 2/98 Past Due $912 >Status as of 2/98: Collection Account< Since they both look like they are owned by Household, I'm not sure what to do the get rid of these. Both are clearly past the SOL, but since the first one is still appears open I'm afraid messing with it. I really want to get rid of both, but I just donâ??t have the money to pay/settle. Please help, I could really use some expert advice for this. -------------------------------------------------------- -------------------------------------------------------- This account was originally through Direct Merchants Bank, but was purchased by capital one. Trans Union DMCCB Purchased by Another Lender Updated 12/00 Balance $5173 Opened 1/97 Most Owed $5623 Closed 8/98 Past Due $5173 >Status as of 8/98: Charged off as Bad Debt< Equifax Direct Merchants Date Opened 1/97 DOLA 3/97 High Credit $5623 Terms 5173 Balance $0 Past Due $742 Status R9 Date Reported 12/00 Account Transferred or Sold Charged off Account Experian Direct Merchants Bank Date Opened/Reported Since 1-997/7-00 Date of Status/Last Reported 7-00/12-00 Type/Terms/Monthly Pmt Revolving/NA/$0 Limit/High Balance NA/$5623 Recent Bal/Recent Pmt $5173 as of 12-00/ Status: Acct charged off. $5623 written off. Past due as of 12-00 Acct History: Charge off as of 7-00 to 12-00 This acct scheduled to continue on record until 3-04 Creditors statement â??Purchased by another lenderâ? This account was purchased by Capital One and only appears on Trans Union Trans Union Capital One Direct Merchants Credit Card >Profit and Loss Writeoff< Updated 4/03 Balance $5174 Opened 12/00 Most Owed $5174 Closed 1/01 Past Due $5174 >Status as of 1/01: Charged off as Bad Debt< Hopeful, someone out there has a solution or advice for me. I have learned so much from this board, but I'm at a total loss about what to do about these accounts. Thanks
