Established Member
Posts: 16
Registered: ‎09-15-2012
Re: Auto Loan after 2 Charge Offs that are 3 years old. 607 FICO

Thanks for the reply. 


I have tried to PFD with Cap 1 and they wont budge. They outsource the account to a collection agency, but still own the debt. What really sucks is that my balance is showing double than what it was when I stopped paying. 


Should I just ante up and PIF with the Collection Agencies and just move forward? I have plenty of savings to pay these off. What if I got a secured VISA and used the VISA to pay the accounts off and then use my savings to pay off the VISA balance? Or just pay off the accounts and then use my seccured card till tax return comes and try then.