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Building Great, Now I Need Help with Fixing

Building Great, Now I Need Help with Fixing

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 120 days past due, Charge off

Stated Last Date of Activity: 5/2019

 

3. First Progress Card $161 90 days past due, charge off

Last Date of Activity: 7/19

 

4. OpenSky Capital Bank 90 days past due, charge off

Stated Last Date of Activity: 3/20

 

5. Dentist Office - $316 Equifax - Collection

 

6. First Citizens Bank 30 days past due, Charge off

Last Date of Activity: 3/20

 

7. Covington Credit $748 Charge Office, 120+ days Past due

Last Date of Activity: 11/2019

 

8. Mariner Finance, LLC $2,287 Charge Office, 120+ days Past due

Last Date of Activity: 8/2019

 

9. Apartment Eviction  $9,502 Eq, Trans, Exp - Collection

Date assigned to: IQ Data International 9/2018

 

 

 

Message 1 of 3
2 REPLIES 2
FireMedic1
Community Leader
Super Contributor

Re: Building Great, Now I Need Help with Fixing


@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.




Homeowner since Sept 2020. 2021 Explorer ST Chase 3.1%. Sharing my experiences after BK from learning here. Started 540's.
Message 2 of 3

Re: Building Great, Now I Need Help with Fixing

Thanks, I will continue to work on them!

Message 3 of 3
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