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They have been sent to collections a long time ago
attempt a PFD (pay for delete) if they dont agree, Pay in full and send GW letters (good will) What collections agencies are they?
So, here is all the nasty things on my credit report
$911 Owed to Directv, disputed right away -FIRST NATIONAL COLLECTION BUR
$4K Owed to a apartment complex? -NATIONAL CREDIT SYSTEMS INC
$526 owed to Capitol One, disputed right now - PORTFOLIO RECOVERY ASSOCIATES
$822 owed to Sprint, will be disputing-PORTFOLIO RECOVERY ASSOCIATES
That's all the bad stuff I have on my report, biggest issue is the apartment complex which I will be disputing.
TU is showing 545, Equifax is showing 539, FICO at 588
Is this salvagable? I have 3 rotating cards, and a car loan. I have made all my payments on time for all of my open accounts. What do you guy's think about the sitation?