Rebuilding Your Credit

[Tubelo]

To jmoney3457

I'm so close to them dropping, I would rather not rock the boat!  I do have a few paid off accounts I will try to get removed via GW though.

CitiBank and CreditOne.

The Citi one is due to fall off next year, and has the highest  balance. 

[jmoney3457]

check your pm

[Tubelo]

Thank you! 

[guiness56]

The DoFD is the date you first became delinquent and never brought the account current again.  It comes from the OC and is the same for the CA.  I didn't see it anywhere on your reports.

No, a 1099-C is not reported on your CR.  When and if you were to get one, it would count as income for the year you received it.

If you have no intention of paying them I would just leave it alone.

[Tubelo]

To guiness56:

Thank you for your reply. At this time it is probably best to wait it out. 

Another question for anyone who can help. How do I go about sending a GW to paid and non active accounts for which I do not have an account number listed? I have several with 1 or 2 late payments from 5-6 years ago, and I wanted to get them cleared. 

I also need contacts for them , so if someone could PM me, that would be great. 

- Credit First

- First Premier Bank

- Hsbc Bank

- Chase Bank US NA

- Capital One Bank US NA

Thanks again to everyone for your help.