@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!