Days ago I received a delinquent reporting update on a SecuMD Visa that was abruptly closed - while in good standing - and has been unable to be accessed, payed off online since July 2021. In July 2021 I communicated my physical absence to Secu representatives, resulting in the arrangement of a cryptographic secured e-mail for which I have been expecting contact.
Still being out-of-the-country, I have not received any communication, notice, relating to this abruptly closed account transitioning into a 'negative' state.
The Visa Signature balance is $5,016. I am unable to confirm the accuracy of this balance, or any of the details on the report, due to the account being made inaccessible - even unfindable by many representatives.
My question is: Is Secu known for selling debt to collectors? If so in what estimated time frame?
Additionally, if this 30-day has affected my credit score by -40, what credit range decrease can be estimated for 60, 90 day late? This is an estimate.
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