Convergent contacted me before they added it to my credit report. Offered me 50% off my debt if I paid within 30 days. Paid it, and it was never added to my credit reports.
Once it's added to your report, Convergent is apparently a mixed bag. Have you contacted them?
Starting score (January 2020): 454 (TU)
First goal (December 2020): 580 (TU)
Second goal (August 2021): 670 (TU)
Current scores: 679 (TU), 665 (EQ), 658 (EX)
Current goal: All three bureaus over 670
Declined credit cards: First Premier Bank, Verve, Self, Credit One, Today
