@myCreditNeedsWings wrote:I have been following the suggestion of having my credit cards (five (5) total) report each month with a '0' balance except for one (1) that I let report with a single digit %. Now I would like some assistance on how to handle these issues. The years 2018 - 2020 were tough for me and it hurt my credit score now I'm working my way through it. Any assistance will be appreciated, thanks!
The following are the challenging accounts:
1. Capital One 60 days past due (7/20 - 9/20)
2. First Choice/Green Dot Charge off
Stated Last Date of Activity: 5/2019
3. First Progress Card $161 charge off
Last Date of Activity: 7/19
4. OpenSky Capital Bank charge off
Stated Last Date of Activity: 3/20
5. Dentist Office - $316 Equifax - Collection
6. First Citizens Bank Charge off
Last Date of Activity: 3/20
7. Covington Credit $748 Charge Office
Last Date of Activity: 11/2019
8. Mariner Finance, LLC $2,287 Charge Office
Last Date of Activity: 8/2019
9. Apartment Eviction $9,502 Eq, Trans, Exp - Collection
Date assigned to: IQ Data International 9/2018
Welcome @myCreditNeedsWings
Well to put it lightly. I removed all the lates. The lates lead to the CO status. Its the CO's that need to be dealt with. Depening how much you have available. Start to tackle each one with settlements or working with each creditor to come to an agreement for hitting $0 balance.
Next question is what's your states SOL? After thats known. That will give a better idea who would go legal like #9. Once past the SOL. Makes things easier and possibly lower settlement offers can be had. Cap1 wont remove lates in the 60 day range. One 30 maybe.
