@prettyg31 wrote: The secured card is with Cap 1. They are charged off but not reported on my credit as a collection.
In other words they havent been sold to a collections. Yet. I'd do all you can to set up a payment plan ASAP before they decide to go that route. You dont want 2 collections added to your report. That will nose dive your scores big time. Time to get busy and work something out. Good Luck!
My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.