Within a month I am able to get 3 secured cards (CapitalOne, Discover and WellsFargo (pre-approved secured-card). A month ago I did not even have a checking account, still do not have a FICO 8 score reporting (because do not have an open account which is reporting). I have spent hours reading the board and figured few things out and able to get 3 cards. Thanks to all of those who are contributing and helping others.
Now I have couple of questions about removing some baddies.
1. I have a collection account (emergency ambulence service) of $1,122.00 Midland Funding
- Experian shows last updated 02/01/2012
- Time since negative: 4.2 years
- Account Status shows: Closed
* TU and EQ have recently updated the status on this past week.
2. Credi One Bank NA
Amount : $425.00
Account Status: Closed
Payment Status: Late
Payment Status Details (Charge-off)
Status Update: 05/01/2012
Company Sold-To: Sold to Another Vendor
Here are my questions:
1. What is the best way of tackle these 2.? Do you guys think I can talk to Middland Funding and if I pay in full would they remove this? What kind of experience you
have.? Also I am living in Texas so not sure if SOL has anything to do with this? or how that apply in this case
2. Credit One Bank. should I contact them or just sit on it and wait to go away on it own.
3. Last question how much this would impact my score if these 2 are gone.
thanks
