09-01-2012 09:20 PM
09-02-2012 08:27 AM
09-02-2012 08:37 AM
Are JCP, Macys, and HSBC charged-off? If so, send each a PFD. If after a few attempts at PFDing and they still say "no", then PIF and GW later.
For the judgment, the balance can increase due to interest, legal fees, etc. It's the court that's reporting that balance. To take care of it, save up 100% and contact the plaintiff's attorney and see if they'd accept a payment or settlement in exchange for having it vacated. Some had success in doing so and if accepted, they'll ask the court to have it removed.
SLs will report, just not to Chexsystems. They'll report to the big 3 typically.
I'd focus on repair and after have or more oft he baddies go away, then try for a secured CC from somewhere. Let that report and continue repair. That'll set you up with higher scores in the future.
09-02-2012 08:44 AM
09-02-2012 08:47 AM
09-02-2012 08:50 AM
Looks like they didn't accept the PFDs. Keep sending them.
A PFD ask the OC or CA to send you a letter in writing stating they would delete in exchange for a payment. If they send that letter acknowledging those terms, then that's when you'd pay. Once they receive your money, then they'll delete.
Check these out:
Credit Scoring 101 - great for knowing what is in your credit score and to see how your score is impacted.
What Steps Do I Take - great for learning the repair process.
and Example letters - PFDs, GWs, DVs, etc.
09-02-2012 08:59 AM