I'm sure I'm over-thinking this. The scenario:
I had a card with Credit One Bank. I had two late payments, paid them and then lost the card. The TL is showing $0 balance and a lost card status.
At the same time, I had another Credit One Bank card (idk why I did that...). I had quite a few lates with that and it was charged off to Midland. That TL is showing a balance and a CO status.
I am paying with Midland now. I'd like to negotiate a PFD and hope that goes well.
My question is about my two Credit One Bank TLs. For the first one, should I send a GW req to delete the two late payments? For the second one, since they did a CO, should the balance be $0? I have no balance with them. I'm going back and forth between asking for GW since I'll be paying Midland. Or, should I dispute with the CRA since they're showing a balance on a CO. My concern with both is if I dispute with the CRAs, they may not approve a GW.
Any insight would be appreciated.
Starting Score 9/2013: TU: 579 / EQ: 561 / EX: 548