Just Zeroed All CC Balances - Next Steps?

[kalli007]

LVNV (Resurgent) will delete upon payment/settlement. There is very likely a one time lump sum settlement offer at around 50%. I just paid and it was gone from all reports within a week. 

[mrjhsm]

Thanks for all the help so far!  You guys are amazing.

I have paid off the collection from Portfolio Recovery, should be deleted soon.

I called Midland and LVNV.  Both accounts are over 2 years old but they are BARELY budging on the amount.  Both are offering 10 or 15 percent off, which I have declined so far.  Still working on them and will keep calling.

CreditKarma as of today has me at 688 TU and 698 Equifax.  Been a while since I have seen numbers like that! 

I have settled on an actual goal:  a travel rewards card to pay for our honeymoon next year.  I have done the preapproval page on Amex, as I have never had them before, and it shows preapprove for 4 different cards:

Delta SkyMiles Reserve

Delta SkyMiles Platinum

Delta SkyMiles Gold

Delta SkyMiles Blue

I mean, I would definitely love one of those cards but it surely seems too good to be true.  Should I move forward with one of them and risk the HP?  I guess I am asking if AMEX preapprovals usually turns into approved cards?  

[lns1976]

@mrjhsm LVNV did that to me and I told them it wasn't good enough so they put me in touch with the outsourced agency they had handling the debt.

To note, my Credit Report said LVNV and when I called Resurgent they gave me no impression anyone else was involved until I told them that simply wasn't good enough and I would try again at a later date.

That's when they referred me to Dynamic (longer name, but the first part was Dynamic) who gave me a better settlement offer and I paid and was removed within 3 weeks from the CRAs.

I ended up around 65% with the offer I took, but I've heard of people getting 50% or better.

[mrjhsm]

Interesting.  I did call Resurgent, that's who I went through, but they didn't give me any other options.  I'll call again, thanks! 

[mrjhsm]

Decided to pull the trigger on an Amex app, and was approved!  $1000 CL on Amex Gold Skymiles card.

Then figured, why not, and was approved for the Cap1 Venture One card for $5000!  Now, it's points churning and gardening time.