jju

  I wish you would have come to us sooner.  If you still owed balances, you could try what we call a PFD - Pay For Delete.  You pay the settlement and the delete the entry from your CR.

 

  Now your only course of action is to send GWs - Goodwill letters.  Basically it's a humbling plea for mercy to anyone who will listen and hope that they take pitty enough to report to the CRAs a clean record. YMMV (your mileage may vary)

 

  Read all the stickies - they will help you IMMENSLEY!