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Hi All,
I have slowly been working at getting off my baddies (man there was a lot of them). I need advice on how to attack what I have left.
Here are my Concerns:
Here's my List of baddies:
Collections:
HUNTER WARFIELD, INC
DOFD: 9/2013
Orig Amount: $751
Current Amount: $950
Last reported: July 2017
CREDIT CONTROL SERVICES INC (only on TU)
DOFD: 6/2014
Orig Amount: $136
Last reported: July 2017
Credit Cards (Not Currently Open)
CREDIT ONE BANK
Reported Balance: $0
Written Off: $871(written off)
Last reported: 12/2015
Last Payment: 3/2012
Status: Charged Off - sold
Remark on TU: PURCHASED BY ANOTHER LENDER; >PAID IN FULL/WAS A CHARGE OFF<
MERRICK BANK
Limit: $650
Reported Balance: $937 (Reporting Balance even though Charged off?)
Last reported: 01/2016 (Reporting as Charge Off on monthly breakdown)
Last Payment: 3/2012
Status: Charged Off Account
Remark on TU: >PRL<
Merrick had been reporting late or CO every month from DOFD until January 2016. (48 lates/CO!!)
Closed Loans (with bad Payment History)
Capital One Auto - (Cap1)
Lates: 60, 90, CO, Repo (12/2014).
Brought current. Got the car back 12/2014. Completely paid off as of 04/2017.
Paid in full; Closed.
Dept of Labor Federal Credit Union
5 Lates - 30, 60, 90, 120, 60. (last 1/2014)
Brought current in 2/2014.
Paid off as of 10/2014
Paid in full; Closed.
Thanks in Advance!
Solo
@Anonymous wrote:Hi All,
I have slowly been working at getting off my baddies (man there was a lot of them). I need advice on how to attack what I have left.
Here are my Concerns:
- I am worried if I contact Credit One and Merrick that they will start reporting again.
- I have heard that Hunter Warfield is really tough to deal with. Any experience with them?
- How much do my PIF Loans late payment history affect my Score/Report?
Here's my List of baddies:
Collections:
HUNTER WARFIELD, INC
DOFD: 9/2013
Orig Amount: $751
Current Amount: $950
Last reported: July 2017
CREDIT CONTROL SERVICES INC (only on TU)
DOFD: 6/2014
Orig Amount: $136
Last reported: July 2017
On both of these offer PFD, if you cant get PFD make a settlement you want them to stop updating as they are keeping Fico depressed
http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/PFD-Q-amp-A-Examples-and-PFD-Success-Stories/td-p/2031275
http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/PFD-Example-Letter/td-p/4519
Credit Cards (Not Currently Open)
CREDIT ONE BANK
Reported Balance: $0
Written Off: $871(written off)
Last reported: 12/2015
Last Payment: 3/2012
Status: Charged Off - sold
Remark on TU: PURCHASED BY ANOTHER LENDER; >PAID IN FULL/WAS A CHARGE OFF<
Only chance is a GW request but they may not be in the mood since they sold the debt for much less than what was owed.
MERRICK BANK
Limit: $650
Reported Balance: $937 (Reporting Balance even though Charged off?) Yes if its unpaid it can be reported, settle to stop that updating you are not going to get a PFD with them but try it once.
Last reported: 01/2016 (Reporting as Charge Off on monthly breakdown)
Last Payment: 3/2012
Status: Charged Off Account
Remark on TU: >PRL<Merrick had been reporting late or CO every month from DOFD until January 2016. (48 lates/CO!!)
Closed Loans (with bad Payment History)
Capital One Auto - (Cap1)
Lates: 60, 90, CO, Repo (12/2014).
Brought current. Got the car back 12/2014. Completely paid off as of 04/2017.
Paid in full; Closed.
Dept of Labor Federal Credit Union
5 Lates - 30, 60, 90, 120, 60. (last 1/2014)
Brought current in 2/2014.
Paid off as of 10/2014
Paid in full; Closed.
Gw letter requests asking that the lates be commuted.
Thanks in Advance!
Solo