Hi guys,
I made a bad investment back in 2017 and had to settle with four credit cards. I was working hard in 2018 to pay off my four settlements and two active credit cards. My final payment is scheduled for December 1st and I am going to be officially debt free.
The question is how to proceed with those delinquent accounts that are reflecting my credit history and keeping my score 544. I am preparing Pay-to-Delete Letters for all four of them (I know, I was supposed to negotiate them before I settle, stupid of me) and hope some of them will work out. I really appreciate you suggestions on what else I can do to improve my score sooner.
Chase 1 - settled-less than full balance - settled with credit card
Chase 2 - settled-less than full balance - settled with credit card
Citi 1 - cancelled by credit grantor - settled with credit card
Citi 2 - settled-less than full balance - settled with collections
Capital One - credit utilization 29% - active
PNC Bank - credit utilization 29% - active
Thank you!