@cwwatts1202 wrote:
As I previously stated, I plan to tell them i'm working on paying them. We have a secured cap one, just trying to add to it to build up faster. Will be calling them shortly.
Who are the creditors?? Have you tried the PFD or GoodWill letters?? You may be able to get those removed when paid in full.
That's even better than baddies paid! 
