Rebuilding Your Credit

[hoping2rebuild]

I need to finish cleaning up 3 baddies on sweetie's CR

I was wondering if anyone has had any luck with PFD's on these

Dakota State Bank

Jefferson Capital

First Premier

[slyhouse08]

Absolutely NO luck with First Premier....seems like they shut everyone down...including me...

[hoping2rebuild]

OK if they won't do a PFD will it Help to pay them so that they show as paid

or does a Paid profit and loss/ writeoff/ collection all count the same anyway?

I am trying to deal with:

First Bank of Delaware

First Premier

HSBC

Jefferson Capital

KCA Financial

and 2 small local CA's

again any advice is GREATLY appreciated

[gordonbs]

If paid, it will score the same as far as FICO. BUT if unpaid the balance on OC will count against UTIL. So you might get some points for paying in that situation.

On manual review, it will look much better. Also gives you a chance, however small, of GWing them.

[sidewinder]

More than likely, the First Premier is being including in util. Being that the account is reported by the OC, I would pay it.

Is Jefferson Capital a CA?

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hoping2rebuild wrote:

OK if they won't do a PFD will it Help to pay them so that they show as paid

or does a Paid profit and loss/ writeoff/ collection all count the same anyway?

I am trying to deal with:

First Bank of Delaware

First Premier

HSBC

Jefferson Capital

KCA Financial

and 2 small local CA's

again any advice is GREATLY appreciated

---

[hoping2rebuild]

Anyone have any luck with HSBC?? I wonder if they would GW the lates if paid?

[hoping2rebuild]

Yes Jefferson Capital is a CA and if I remember reading correctly

according to one of the threads they are being Sued by the FDIC and the FTA

That's why I am hoping they will do a PFD

[TeeVeeDude]

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hoping2rebuild wrote:

Anyone have any luck with HSBC?? I wonder if they would GW the lates if paid?

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I've had no luck at all with HSBC. I have lates on an HSBC Card and also on an HSBC Auto account, and I've been working on them for 8 months now with no success. I haven't given up yet, though. I'll keep sending the letters until the late payments are removed or I get a restraining order!

[slyhouse08]

There is a thread on here...about success with HSBC...there are 4 addresses...that the GW letter were sent to...the people had no idea which address work...but one did...I have tried the addresses...with no luck...I don't think they do PFD at all...but if paid...they may accept a GW letter...

[hoping2rebuild]

I am trying to get one written for my BF

4 years ago he lost his wife and both daughters

in a car crash and at that time he just gave up

and let everything go bad

now were are trying to get things fixed so we can get

our lives together.

HSBC is the only charge off he has left

sorry for the life story