@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!
Homeowner since Sept 2020. My posts are JMHO. My siggy is not to brag. Just sharing my experiences after BK from learning here from rebuild to recovery @ 540's.