Hello All,
I have lurked the boards for quite sometime. I have learned alot but I am still learning. I am currently in the garden with my three cards and 2 defered student loans totaling 5k. I am going to take a different approach and attack each company individually. I would like to start with a collection company that is only reporting on my Experian report. It has 9 different accounts IIB. I was discharged June 2012.
Does anyone know if these IIB with 0 balances are still negativitly affecting me? Since they are now all included IIB, what approach should I take?
Also, I settled an old Cap 1 account before I knew about credit. It reports settled on experian and transunion but on equifax it reports status as Charge Off but the payment history is updated every month. Is this hurting me and being classified as a new charge off?
All the good information would be appreciated.
BK: 7 filed 3/31/12 - Discharged 6/27/12
Made some poor choices and life snowballed
BK: 13 filed 7/29/16 - on a 36th month time out
No CC - No Loans - Student Loans all current.