Updated: Need help, how to fix and goals

[Randy2191]

Okay so then I should have no collections left, the unpaid credit card falls off in July, the fingerhut thing never was moved down to collections but shows charge off. So that should just switch to a paid and closed account. Leaving the last bad things being the late payments to Nelnet if they don't remove. 

[Randy2191]

Decided to call other companies Inhad accounts with before I moved just as a cya. And when I called xfinity/comcast found a $2XX from 2020 not on my credit yet, I asked the lady if I pay it today if they guarantee it won't show up ever on my credit... the lady told me she has had people call her after they paid saying it never showed on credit before , but after they paid it popped up and showed as paid. I again asked if I can speak to someone who can guarantee me that it won't and send me a letter stating if I pay In full that it won't be reported to credit. 

is this something that happens? Never shows on credit until after it is paid? 

no other companies had a balance with me so there are no other possible hurdles. 

[FireMedic1]

Hard to say it wont or will show. Dont remember seeing that pattern for paid pop up. Telecommunication companies are hard to nail down. Flip a coin. Cross your fingers. Your luck of not having a CA on the account usually doesnt happen. So luck is in your side.

[lns1976]

@Randy2191 Better a paid account show up now than a collection account later.

[Randy2191]

Show it will just show as a paid account? Not a new collections account? I just thought it was weird that they haven't reported it yet, but say it may be reported after being paid. 

[lns1976]

@Randy2191 It will not show up as a "collections" per say, but may show up as a "paid collections" account by a utility company.  There isn't a way to say how they would report it, and no guarantee they will if it gets paid either.

But if you don't pay it, then they can transfer it to a collection agency and they do tend to report to the CRAs.  

I would rather risk it popping up as a paid account that at one point went to collections than risk a new collection account popping up.

[Randy2191]

So if I pay it now before it pops up as a collections account. If it does pop up as a paid utility account that went to collections. It won't be as damaging to score and credit?

[Randy2191]

I just got the call. They had already sent it To sequium, I called sequium and because they have only had the account 28 days they said as long as paid in next 2 weeks they wouldn't be able to report it. So my timing appears to be perfect on this one. 

[Randy2191]

so I Will have no credit cards besides the $200 secured card. 
my mother has a $2500 card that she has $2k spent on it (so 80% used) would this be Benificial at all for me to be added as a authorized user?

The card is about 10 years old and never missed a payment. 

[FireMedic1]

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@Randy2191 wrote:

so I Will have no credit cards besides the $200 secured card. 
my mother has a $2500 card that she has $2k spent on it (so 80% used) would this be Benificial at all for me to be added as a authorized user?

The card is about 10 years old and never missed a payment. 

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No. You only have 1 card?