@Anonymous wrote:
ENHANCED RECOVERY CO L
AT&T
Account Number
10XXXX
Account Type
Collection
Terms
1 Month
Date Opened
07/01/2014 GW letters for this one
Account Status
Closed
Payment Status
Paid
Payment Status Details
Paid, was a collection account, insurance claim or government claim or was terminated for default
Status Updated
08/01/2014
LVNV FUNDING LLC
Date of First Delinquency: 08/2012
Account Number
444796218943XXXX
Account Type
Collection
Terms
1 Month
Date Opened
03/01/2013
Account Status DV and if it sticks then PFD
Closed
Payment Status
Unknown
Payment Status Details
Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
Status Updated
01/01/2014
Balance
$1,133.00
Balance Updated
-
Credit Limit
-
Past Due Amount
$1,133.00
High Balance
-
CREDIT ONE BANK NA
Date of First Delinquency: 08/2012
Account Number
415643XXXX
Account Type
Credit Card
Terms
Revolving
Date Opened
08/01/2010
Account Status I would just leave this one alone, you can try GW letters but they are most likely not budging and its not reporting but they may update and drop your score further.
Closed
Payment Status
Unknown
Payment Status Details
Charge-off
Status Updated
10/01/2013
Balance
-
Balance Updated
-
Credit Limit
$300.00
Company Sold-to
SOLD TO ANOTHER LENDER
/ LVNV FUNDING LLC
TRIDENT ASSET MANAGEME
Date of First Delinquency: 06/2008
Account Number
90XXXX
Account Type
Collection
Terms
1 Month
Date Opened
06/01/2008
Account Status Ask the CRAs for early exclusion, once its off your reports its a zombie debt and I would offer them no more than 20% to settle it.
Closed
Payment Status
Unknown
Payment Status Details
Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
Status Updated
02/01/2010
Balance
$136.00
Balance Updated
-
Credit Limit
-
Past Due Amount
$136.00
NICHOLAS FINANCIAL INC
Date of First Delinquency: 12/2009
Account Number
DXXXX
Account Type
Installment Loan
Terms
60 Months
Date Opened
04/01/2008
Account Status
Closed
Payment Status If this is past SOL then you might want to offer a lesser amount as long as they delete the TL in return. This hasnt reported since 2010 any update is going to cause your Fico to drop so its something you are going to have to think about. Sometimes its best to leave the hornets nest alone.
Unknown
Payment Status Details
Voluntary surrender
Status Updated
04/01/2010
Balance
$7,846.00
Balance Updated
-
Credit Limit
-
Past Due Amount
$7,846.00
High Balance
-
Please help trying to get these removed the only baddies i have giving a road block
Thank you soo much i will get started on this right away