Okay so with work and everything I have kind of fallen off track with my credit repair journal. i haven't acquired any new baddies on my report but I haven't been as active in sending letters and such as I was before. My New Years resolution is to get back on track.
The foreclosure on my house is set to go through this month finally after about two years of dealing with it. That will mean a hit on my report but its a huge relief that the clock will start on aging that off my report.
I had two state income tax liens on my report. Both are now paid in full. The CRAs won't delete from my report, but they have at least updates to paid and can begin aging off my report.
I still have the HSBC charge off, Capital One (settled for less than full amount), RJM Acquisitions, NCA, and State Collections accounts to deal with. Everything else remains current with no lates.
NCA collection is linked to the HSBC charge off. If I pay the CA will the OC be more open to a GW deletion?
Capital One already turned down one attempt to get a GW deletion. I have a secured card with them that is current, never been late, and I've had since April 2012. What should my next step be with this account? Should I offer to pay the rest of the amount owed in exchange for a delete? If they won't do that would it be beneficial to pay that amount anyways to update the account to paid in full?
RJM Acquisitions has agreed to a pay for delete. That will be paid this month.
State Collections only shows on one CA but I have heard they are open to PFD letters. That account is on the list for this month also.
I also have federal income taxes owed that should be paid in full by March, but those don't show on my credit report. Knowing all of this, how long will it take to see my site start climbing again after the foreclosure goes through? That and the tax liens are the biggest hits to my credit but they can only be improved with time.