Still at it....

alipz — Sun, 26 Jul 2020 20:36:25 GMT

Report is still a train wreck. I've done a lot of work...some days I feel very accomplished and days like today I feel like....SO OVERWHELMED!

I have the money to settle Capital One and both First Premier accounts this coming week. Should I play hardball for the PFD or just pay them and then try goodwill campaign?

For the accounts I've paid but still show negatives...When I do good will letters, am I asking them to remove the entire account from my record or just the negatives..e.g. lates and charge off's?

Thanks for your help...AGAIN!

CAPITAL ONE-WILLING TO SETTLE FOR LESS, BUT WONT AGREE TO PFD. SHOULD I PAY IT THEN START A GOODWILL CAMPAIGN?

Status Account charged off. $2,902

written off. $2,902 past due as

of Feb 2020.

Status Updated 02/21/2020

Balance $2,902

Balance Updated 02/21/2020

Credit Limit $2,300

Highest Balance $2,774

On Record Until Aug 2021

FIRST PREMIER BANK-NOT PAID, OF COURSE THEY ARE REPORTING AND HAVEN’T RESPONDED TO ANY CORRESPONDENCE TO PFD, SETTLE. SHOULD I JUST PAY THEM AND WAIT IT OUT FOR THEM TO FALL OFF?

Balance: $1,017

Last Payment Made: 10/17/2015

High Balance: $1,017

Credit Limit: $700

Pay Status: >Charged Off<

Date Closed: 01/24/2016

>Maximum Delinquency of 120 days in 03/2016 for

$286<

Remarks: UNPAID BALANCE CHARGED OFF

Estimated month and year that this item will be removed: 10/2022

FIRST PREMIER BANK- NOT PAID, OF COURSE THEY ARE REPORTING AND HAVEN’T RESPONDED TO ANY CORRESPONDENCE TO PFD, SETTLE. SHOULD I JUST PAY THEM AND WAIT IT OUT FOR THEM TO FALL OFF?

Balance: $717

Last Payment Made: 10/16/2015

High Balance: $717

Credit Limit: $400

Pay Status: >Charged Off<

Date Closed: 01/24/2016

>Maximum Delinquency of 120 days in 04/2016 for

$202<

Remarks: UNPAID BALANCE CHARGED OFF

Estimated month and year that this item will be removed: 11/2022

CREDIT FIRST NATL ASSOC- PAID- NOT REPORTING ANYMORE-GOOD WILL? SO FAR THEY HAVE SAID NO TO DELETING OR REMOVING ANY LATES.

Account Name CREDIT FIRST NA/ FIRESTONE

Status Account charged off. $1,489

written off. $1,489 past due as

of Feb 2020.

Status Updated 02/23/2020

Balance $0

On Record Until Sep 2022

CREDIT ONE BANK-PAID MIDLAND-GOODWILL?

Date Opened: 12/20/2010

Balance: $0

Last Payment Made: 03/03/2015

High Balance: $1,770

Credit Limit: $1,300

Pay Status: >Charged Off<

Date Closed: 01/25/2015

>Maximum Delinquency of 120 days in 02/2015 for

$350 and in 04/2015<

Remarks: PURCHASED BY ANOTHER LENDER; UNPAID BALANCE CHARGED OFF

Estimated month and year that this item will be removed: 09/2021

BARCLAYS BANK DELAWARE-STILL OWE, NOT REPORTING

Loan Type: CREDIT CARD High Balance: $1,666

Credit Limit: $1,300

Past Due: >$1,666<

>Maximum Delinquency of 120 days in 03/2015 and in 06/2015<

Estimated month and year that this item will be removed: 10/2021

KOHLS DEPARTMENT STORE-NOT REPORTING WILL DEAL WITH LAST

Date Opened: 09/08/2013

Balance: $364

Date Updated: 05/31/2016

Last Payment Made: 10/19/2015

Credit Limit: $300

Pay Status: >Charged Off<

Date Closed: 02/19/2016

>Maximum Delinquency of 120 days in 02/2016 and in 04/2016 for $214<

Remarks: UNPAID BALANCE CHARGED OFF

Estimated month and year that this item will be removed: 10/2022

MIDLAND FUNDING LLC-DELETED

Placed for collection:

09/30/2016

Balance: $631

Date Updated: 02/21/2020

Pay Status: >In Collection<

Responsibility: Individual Account

Account Type: Open Account

Loan Type: DEBT BUYER

Original Amount: $631

Original Creditor: CITIBANK N A

Past Due: >$631<

Remarks: >PLACED FOR COLLECTION<

Estimated month and year that this item will be removed: 12/2022

MIDLAND FUNDING LLC- DELETED- STILL HAVE TO DEAL WITH CHARGE OFF AND LATES WITH ORIGINAL CREDITOR

Placed for collection:

05/27/2015

Balance: $1,771

Date Updated: 02/21/2020

Pay Status: >In Collection<

Responsibility: Individual Account

Account Type: Open Account

Loan Type: DEBT BUYER

Original Amount: $1,771

Original Creditor: CREDIT ONE BANK N A

Past Due: >$1,771<

Estimated month and year that this item will be removed: 09/2021

PORTFOLIO RECOVERY-DELETED

Placed for collection:

11/22/2016

Balance: $920

Date Updated: 02/27/2020

Pay Status: >In Collection<

Responsibility: Individual Account

Account Type: Open Account

Loan Type: DEBT BUYER

Original Amount: $920

Original Creditor: HSBC BANK NEVADA N A

Past Due: >$920<

Remarks: >PLACED FOR COLLECTION<

Estimated month and year that this item will be removed: 02/2022

PORTFOLIO RECOVERY-DELETED

Placed for collection:

09/23/2015

Balance: $563

Date Updated: 02/27/2020

Pay Status: >In Collection<

Responsibility: Individual Account

Account Type: Open Account

Loan Type: DEBT BUYER

Original Amount: $563

Original Creditor: SYNCHRONY BANK

Past Due: >$563<

Remarks: >PLACED FOR COLLECTION<

Estimated month and year that this item will be removed: 01/2022

PORTFOLIO RECOVERY- DELETED

Placed for collection:

07/19/2016

Balance: $437

Date Updated: 02/27/2020

Responsibility: Individual Account

Account Type: Open Account

Loan Type: DEBT BUYER

Original Amount: $437

Original Creditor: SYNCHRONY BANK

Past Due: >$437<

Pay Status: >In Collection<

Estimated month and year that this item will be removed: 11/2022

TRANSWORLD SYSTEMS- PAID ORIGINAL CREDITOR-FILED A REQUST WITH RELIANT TO ASK THEM TO REMOVE IT.

Placed for collection:

10/22/2017

Account Type: Open Account

Loan Type: COLLECTION AGENCY/ATTORNEY

Balance: $257

Date Updated: 02/18/2020

Original Amount: $257

Original Creditor: RELIANT ENERGY RETAIL SERVICE

Past Due: >$257<

Pay Status: >In Collection<

Remarks: >PLACED FOR COLLECTION<

Estimated month and year that this item ill be removed: 10/2022

Re: Still at it....

gdale6 — Sun, 26 Jul 2020 22:16:43 GMT

FP and escpecially Cap-1 will never give you a PFD. Best to settle then try GW, I do know with Cap-1 the older it is the better chance you have.

Re: Still at it....

alipz — Mon, 27 Jul 2020 00:03:59 GMT

Thanks. I figured FP and Capital 1 were a no go.

I've read Barclays wont budge either.

Re: Still at it....

Anonymous — Mon, 27 Jul 2020 00:08:08 GMT

How much was Capital One willing to settle for? They're known to sue people.

Re: Still at it....

alipz — Mon, 27 Jul 2020 01:29:56 GMT

Still negotiating because she at first said they couldn't take anything off because theres a judgment. I said NOPE, there isnt and said produce the paperwork....Then she said if it comes back from legal that there isnt a judgment she could take 30% off the balance owed.

She also said shes surprised that I am trying to resolve it so close to it dropping off....ME TOO! Honestly I'm tired of my poor score and embarrassing credit report, so I'm ready to make a deal and put it behind me.

topic Still at it.... in Rebuilding Your Credit

Still at it....

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