Credit debt help please read

Anonymous · ‎10-22-2015

I have gone through Lexington Law, Credit Report.com and can say the debt is valid except for the laughable fee's that some people have charged me which I can say will never get me ahead.At this point I am thinking about settling myself so I will post my report issues, the good thing is there isn't higher then 5k in debt, however it is non paid andthe main thing is before I settle I have a few questions.Should I settle less or pay the full amount, what will look better on my credit report. (by settling I mean, trying to get rid of some of these outrageous fee's)Some company's like Midland Credit I even question at this point they refuse to show me a balance of how my account got that high and the credit card keeps saying to talk to Midland, so we are at a stand still.Also, before I SETTLE should I ask for a letter saying I would like removal/ or debt satisfied in writing before paying off so it reflects on my credit report. I am just trying to do the right thing here. ..I know ive made a lot of mistakes I am 34, but want to start to make a difference, it took a while but my job situation did now allow me. These debt collection companys just want fee's and how do I know they are even serious if I can get a template from someone to send or do it on my own. Thanks in advance.There are two accounts listed for Kohls, Sprint and Cap. one on each credit report.Experian:

Experian Score #545

Company: Diversified Consultant (attached collection letter)Collection for : SprintAmount Due :$513.01

Conatact Name: Michael Anna10550 Deerwood AveJacksonville, FL 32256800-771-5361

Company: Midland Credit Management

Collection: Credit One Bank

Payment Status: Chargeoff

Amount Due #1032.48

Phone # for Capital One (they said to contact them directly) 800-796-921 or 800-939-2353

PO Box 939050 San Diego, CA 92193

Notes: Spoke with internal legal department at Capital One, balance was only $600.00 then added late fees and interest. (Listed on credit report TWICE) under Experian.

__________________

Company: Capital One Bank

Amount Due :$584.00

Phone # (800) 955-7070

Address: 15000 CAPITAL ONE DR

RICHMOND, VA 23238

Credit limlit $300.00 interest/fees included

___________________

Kohls/Capital One

Balance $500.00 Credit Limit $300.00

Phone: 800) 564-5740

Address: N56 W 17000 RIDGEWOOD DR

MENOMONEE FALLS, WI 53051

Please note: I have agreed to pay them $100.00/month starting the end of this month so I can get this card back, they are very easy to work with, I Do not need a settlement, I would like a letter stating I would be approved again as discussed if paid in full.

____________________

Last item listed I have no idea what it is, says paid satisfactory.

-

CBNA

(800) 917-7700

High Balance: $30,473,300

Paid satisfactorily

PO BOX 6283

SIOUX FALLS, SD 57117

ACCOUNT SAYS CLOSED

_____________________

Equifax score: 554

PENN CREDIT CORPORATION

C588283000101XXXX

Collection Account $0.00 Balance

(717) 238-0901

CENTRAL HUDSON Electric

Paid in full, no balance due, but still remains on credit card. From my understanding this was my residency in NY and the landlord covered these expenses.

_____________________

Transunion Score: 514

Company: Diversified Consultant (attached collection letter) (on two credit reports)

Collection for : Sprint

Account #:215103617

Amount Due :$513.01

Notes: Poor Service, could not rec’ service in house, they offered for me to cancel my plan without fee. The original balance due was $163.00

With $350.00 which I refuse to pay. This is a rip off and was never agreed upon

Company: Capital One Bank ( on 2 credit reports)

Amount Due :$584.00

Phone # (800) 955-7070

Address: 15000 CAPITAL ONE DR

RICHMOND, VA 23238

Credit limlit $300.00 interest/fees included

___________________

Kohls/Capital One ( on 2 credit reports)

Balance $500.00 Credit Limit $300.00

Phone: 800) 564-5740

Address: N56 W 17000 RIDGEWOOD DR

MENOMONEE FALLS, WI 53051

Please note: I have agreed to pay them $100.00/month starting the end of this month so I can get this card back, they are very easy to work with, I Do not need a settlement, I would like a letter stating I would be approved again as discussed if paid in full.

Please note: Only thing not listed is National Auto Sales on Transunion which is my current car payment.

Also Lexington Law said they removed 3 items off my report which I do not see:

2 from Transunion: Enhanced Receivable, not sure who it was

First Premier Bank CC Removed

1 from Experian: Enhanced Recievavble

Anonymous · ‎10-23-2015

First paying off a collection will not make you credit any better it will only show that you paid it late. You may want to consider the staute of limitations on your collections before going too far with your repair efforts. If you can get pay for deletion of the collections then your credit will improve get them in writing before paying. There are threads with goodwill letters here onMyfico but they should be tailored to your situation Patience and persistence are the best way to correct the situation and paying bills on time going forward.

Anonymous · ‎10-30-2015

You are on the right path. Keep trying. A good percentage of people here started where you are and a lot in a considerably deeper hole, myself included. Read everything you can in rebuilding that pertains to your situation. Build a plan and move on it deliberately. Its easy to make a few mistakes that could cost you time. Just remember, it's a marathon, not a race.

Anonymous · ‎10-30-2015

Search for Pay for Delete for your collections.

Capital One. Open? Closed? Do not let it get to charge off status. Call them, backdoor numbers listed in this forum, to set up a payment plan if open, or Pay for Delete if closed.