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My DW has a CitiBank CO that with DofFD of 12/2010. The SOL in TX is 4 years, so that has past.
They report a past due balance monthly with a UTL of 300% or so. It's been a CO since June of 2011 according to CRAs. What is a good offer to make to try to get this off of her credit report? I am trying to help her clean up her credit after having pretty good luck cleaning up my own.
Any help would be great.
Personally, I would offer as high an amount as you can afford.
It is common for creditors to sell charged-off debt in order to recoup a bit more of their expected total loss.
That will result in the ability of a debt collector to then report a collection, further damaging credit score and removing the opportunity to offer any PFD to thte creditor.