I am trying to clear up my credit. I have 4 accts with HSBC and not sure if they are duplicate accts. One of the accts is scheduled to fall of 6/2014 and another will fall off 6/2015. Not sure if the other 2 accts were duplicates. I also have a collection acct with Verizon scheduled to come off 4/2015. My main problem is a repossession by Nuvell/Ally/GMAC. On my credit report they report acct as collection acct. Date acct was opened was 6/1/2006 and date of last payment was 11/2007. Well it reports past due balance as $9,930 but then they sent me a letter stating I had a balance of $10,240. What should I do about this acct? It is scheduled to fall off 8/2014. Should I let it fall off itself or is there something I can do to maybe have it deleted before this date which would be great. Also if anyone has dealt with any of the other companies you input would be greatly appreciated!!
