Community Leader
Epic Contributor
Posts: 26,021
Registered: ‎03-19-2007
Re: What Steps To Take?

The one that jumps out at me is the CC that has been "delinquent for a year."  Of concern, not only because of past delinquencies, but the potential to become much worse.


Delinquent accounts beyond one year are entering into the realm where creditors will consider charging off the debt, and/or placing it for collection.

Are regular payments, even though not bringing the account current, being made?  That might stave off their determination that the debt has become uncollectible.....