kimba1117 wrote:
If I try to get the late payments removed how much will that help my score?
Depends on severity of the lates, when they occured, and what else is on your report...really hard to guess.
Is it possible to get 60 day late payments removed? I also have 3 30 day late payments with HSBC do you think they would remove any?
Are the accounts still open? If so, you might have better luck. Only way to know for sure is to send GW letters.
I am not sure what to do with my collection accounts. Any help would be appreciated.
NCO Last Active 6/01 Past due $2197.00 Balance $2197.00 Should I wait for this to just drop off my report? Does it go by last active date or date it is being reported, becase this one is being reported 3/08
Goes by DOFD(date of first deliquency)- does it say when it should be dropping? If DOLA 06/2001, I'd say it is due to drop soon.
Midland - Went to a judgment in Nov. 2007 but still not reporting judgment on report it is still showing Last active 12/07 Past due $1387.00 Balance $1387.00
Paying and then Gw'ing.....but Midland is difficult. Since they have already gotten judgment I wouldn't do anything but pay in full and not mention the judgment not reporting.
Fingerhut Last active 1/02 Past due $819.00 $819.00 This is the original creditor for Midland
If this has been charged off and sold......I believe it should show a $0 balance. When does it say it should drop? Midland should drop at the same time. Appears like it would be next year. When it DOFD?
Commonwealth Financial Last Active 12/06 $379.00 past due $379.00 Shows collection 8/.02 Lifetime Career - Original Creditor for Commonwealth 12/01 last active Balance $379.00
Commonwealth is a CA collecting for Lifetime Career? When does it say it should drop? Is only the CA showing? You may try a PFD if you are out of SOL. When is DOFD? If the OC still owns the debt and hasn't sold to the CA, you can ask them to withdraw from CA and accept payment.
