I was denied for my Walmart CLI backdoor, I hate this feeling of being a failure. Still have several baddies on transunion, equifax and experian. My spouse credit soaring while my credit is hanging in limbo. Any suggestions other than wait? I have 4 secured cards Cap1-1000, Nfcu-1000, Usaa amex -500, Usaa master-500; unsecured cards: Cap 1-500, Cap 1 quicksilver 500, walmart store 300, VS-250, JCrew 250; AU on my 18 year old accounts AMEX- 1000, AMEX Everyday -500, Chase freedom-1200; AU on my spouse account AMEX gold-unknown. Low uti.
My report baddies: Debt validation completed they sent the amount owed, original creditor, date of purchase. Most of these will fall off in 2016-2017.
1) portfolio-700.00 "reported monthly, sometimes daily as a new charge off account"
2) portfolio-400.00 "reported monthly, sometimes daily as a new charge off account"
3) portfolio-1,300.00 " "
4) portfolio- 800.00 " "
Other baddies: These will fall off between 2016-2017 also
EOS ATT- 2700.00 debt validated came back verified with previous billing statements.
Enhance recovery ATT- 1700.00
I had only one at&t account so I'm not sure who have the right to report this debt. My DH told me not to debt validate Enhance recovery yet because I'm in the process of punching the PRA accounts and he doesn't want my reports flagged as suspicious. I was planning on sending Enhance a DV letter because EOS has somewhat validated although without a signed contract. What to do?
Car loan- several past 30 days a couple past 60 days, up to date on payments since July 2014
Student Loans-several 30,60 90 days late placed in forbearance currently since Aug 2014 (last late July 2014) attempted goodwill but was a no go.