-Charge Off's-
Barclays: I think they might work something out but you would have to have paid it off in full first. Be aware that they will update if you pay off the account so it will report even worse before it gets better.
Target: This is serviced by TD Bank. You want to mail letters to the address on the credit report. They are more prone to remove old accounts completely along with the lates than change anything.
Credit One: I am not surprised. As a subprime lender they have massive experience with these kinds of letters and even they know when to ease off on the gas.
-Collection's-
LJ Ross (BGE): Baltimore Gas and Electric is well aware of the pains of Maryland. Most electric/gas providers are since they are in a regulated market.
Waypoint Resource Group (Comcast): You want to step into a Comcast store and pay off the debt. Then get a letter stating that the negative info is to be deleted at the store. You have to remember Comcast has a very large boot to kick Waypoint.
Midland Funding (Credit One): Again a clear example of a Lender knowing how to handle subprime properly. They even went to great lengths to get a good debt collector.
-Late Payment's-
Wells Fargo CC: This is Wells Fargo so they probably are offering lenience only because they are unsure of who is in the wrong. Lets be real and say their reputation needs work.
Kohls: This is serviced by Capitol One.
Capital One: This one is staying for the full 7 years. They have fully automated and even the office of the president is limited on what they can do.
TimePayment Loan: Not enough information exists from this lender.
ECSI / UMD Perkin: This is a federal student loan. There is nothing here to modify.
Welcome to the board and great progress for one month.
