this was my first credit card weeks after turning 18 and entering college. unfortunatly I was irresponsible and the card eventually was closed due to being late for too long and not catching it up. then approx 1.5 years after it closed out charge-off, I reset the clock by making arrangements to pay on it. didnt know any better. fast forward its due to fall off towards end of next year but THEY ARE REPORTING MONTLY STILL, i assume that means it is still to this day hurting me. I would like to negotiate a very low amount in hopes for it to delete, or any other suggestions?? since it still reports would be great. looking for a ceo email address or executive office.
