Need some advice
Posted 12 July 2012 - 07:05 AM
I did a score simulator through USAA, and it showed if I paid off my current revolving accounts, my score would improve from mid 580s to mid 640s. If I got the three charged off accounts to stop reporting 60+days late every month, the score would increase to 720+.
I'll have the current accounts paid off this month, which I think from a score standpoint puts me in FHA territory. My concern is the old charge offs.
I had a Ch7 BK in 2003, discharged in 2004.
In 2008, I lost everything, and there are still 3 accounts I need to deal with.
HSBC charged off in 2008. They sold to Arrow, which got a judgment in 2010 $1500. Arrow sold to LVNV 9/2011, and the balance is now $2300. I have been disputing LVNV, done the one-two punch, to no avail. If I want to pay this off- who gets the check, and how to I get both trade lines cleared up, even if it's just to show paid?
Capital One charged off in 2008 (times two). One acct is $2300, the other $7000. They report every month that it's late, which I'm told they can do, since I haven't been paying on it. DLA is accurate in 2008.
I would appreciate any guidance you can offer. I hope it's not all for naught since I had lates after a BK. I tried sending each of them pay for delete letters last summer, but there were no takers. I have money saved up if I absolutely need to pay these off. I just don't want to move in that direction without asking here first. I'm concerned about the date of last activity resetting from 2008 to present.
Thanks for all your help!
Posted 12 July 2012 - 01:53 PM
but hopefully the mortgage guys can answer about your current lates..those may be an issue
Posted 12 July 2012 - 11:37 PM
Posted 13 July 2012 - 06:54 AM
Posted 13 July 2012 - 12:11 PM
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