Thanks fused...this is depressing.
All three accounts were IIB from Ch 7 in Oct almost two years ago. I was in car accidents back to back that disabled me for almost a year. I tried to keep up and just couldn't anymore.
I was trying to clean up my credit, used lexlaw and then the accounts went to charge off status.
No CA associated with these accounts are on my report. I am in IL
Here they are maybe this will be easier. Maybe you will be able to tell me how to go about this better.
Thanks
HSBC
Account Number: XXXX Current Status: CHARGE-OFF Account Owner: Individual Account. High Credit: $1,502 Type of Account : Revolving Credit Limit: $0 Term Duration: Terms Frequency: Monthly (due every month) Date Opened: 2000/11 Balance: $0 Date Reported: 07/2008 Amount Past Due: $0 Date of Last Payment: 05/2003 Actual Payment Amount: $0 Scheduled Payment Amount: $0 Date of Last Activity: N/A Date Major Delinquency First Reported: Months Reviewed: N/A Creditor Classification: Activity Description: Transfer/Sold/Paid Charge Off Amount: $0 Deferred Payment Start Date: Balloon Payment Amount: $0 Balloon Payment Date: Date Closed: 10/2003 Type of Loan: Credit Card Date of First Delinquency: 07/2003 Comments: Charged off account
Both of these were Providian
Account Number: XXXX Current Status: CHARGE-OFF Account Owner: Individual Account. High Credit: $0 Type of Account N/A Credit Limit: $0 Term Duration: Terms Frequency: Date Opened: 2000/11 Balance: $0 Date Reported: 07/2008 Amount Past Due: $0 Date of Last Payment: Actual Payment Amount: $0 Scheduled Payment Amount: $0 Date of Last Activity: N/A Date Major Delinquency First Reported: Months Reviewed: 39 Creditor Classification: Activity Description: Transfer/Sold/Paid Charge Off Amount: $0 Deferred Payment Start Date: Balloon Payment Amount: $0 Balloon Payment Date: Date Closed: 01/2004 Type of Loan: Credit Card Date of First Delinquency: 06/2003 Comments: Charged off account
Account Number: XXXX Current Status: CHARGE-OFF Account Owner: Individual Account. High Credit: $0 Type of Account N/A Credit Limit: $0 Term Duration: Terms Frequency: Date Opened: 1999/03 Balance: $0 Date Reported: 07/2008 Amount Past Due: $0 Date of Last Payment: Actual Payment Amount: $0 Scheduled Payment Amount: $0 Date of Last Activity: N/A Date Major Delinquency First Reported: 03/2004 Months Reviewed: N/A Creditor Classification: Activity Description: Transfer/Sold/Paid Charge Off Amount: $0 Deferred Payment Start Date: Balloon Payment Amount: $0 Balloon Payment Date: Date Closed: Type of Loan: Credit Card Date of First Delinquency: 08/2003 Comments: Charged off account