No collections but negative account help

[Prettygyrl83]

My credit report says I have 0 collections but I have 2 negative accounts. I know that's not good but does this look better than them listed as a collection? I'm waiting for them to fall off in June but I also need to apply for housing, I called Portfolio to negotiate a pfd with no success. Just trying to gauge what move I should make or at the lease lessen my worrying.

[JoeRockhead]

Can you be more specific. What are the negative accounts?.... are they 30 day lates, worse, such as charge offs, and when did these occur?

[Prettygyrl83]

All are charge offs and according to records will age off my credit in June/July of '24. However they don't show up under collections but closed accounts section of my credit reports 

[JoeRockhead]

A collection and a charge off are reported as two separate things. I wouldn't further contact anyone at the CA.

1. they have no authority to delete the charge off.

2. to avoid the possibility of them reporting the collection on the charge off and further dinging your credit. Contacting them and saying the wrong thing can also risk resetting the SOL for you to be sued.

The good news is you can request an EE (early exclusion) of the items from your credit reports. TU 6 months early, EX 3 months early, EQ 30 days early. 

[Prettygyrl83]

Thanks TU already removed them but I'm not touching anything until I get right to the month they are expected to age off. I don't want to poke the bear. 

[tnhomestead]

If it's portfolio recovery co, they do pfd automatically when they get paid.