Reaching Creditors

[Anonymous]

Hello,

 I am new at this, but I was told that this website will be very helpful to me. I have reviewed my cresit report & I hav a few questions. I have a credit card from aback in 04 that I had stopped paying on but I just saw that is still acting as an open acct. & accruing interest, so what do I do? At the moment I cannot afford to start paying on it but the amount has exceeded $7000. Also, how do I contact any of the creditors if the contact info is not on the report? Finally, how hard do I need to attck my debt if I want to start seeing changes soon?

Thanks For the Help,

Trying08

[Anonymous]

Best thing to do it to save some cash to offer a settlement.

Settlement for Delete- even better.

Be sure to read the Credit 101 thread.

http://ficoforums.myfico.com/fico/board/message?board.id=ficoscoring&thread.id=2654

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trying08 wrote:

Hello,

 I am new at this, but I was told that this website will be very helpful to me. I have reviewed my cresit report & I hav a few questions. I have a credit card from aback in 04 that I had stopped paying on but I just saw that is still acting as an open acct. & accruing interest, so what do I do? At the moment I cannot afford to start paying on it but the amount has exceeded $7000. Also, how do I contact any of the creditors if the contact info is not on the report? Finally, how hard do I need to attck my debt if I want to start seeing changes soon?

Thanks For the Help,

Trying08

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[Anonymous]

I agree with Timothy try to get a pay for delete--I am sure you will see an increase in scores with that removed --good luck