Here I am trying to get back up. I had gone through some unfortunate circumstances while I was assigned overseas back in 2016. By the time I came back into the US, all my accounts were closed by CG but not CO. While trying to manage damage control, I was able to get few accounts saved from CO but most were CO by CG.
Long story short, I managed to pay off Amex PRG and NFCU CLOC back then. Whatever was left eventually became CO past 120 Days marker.
I have contemplated the idea of BK Ch7 and still meet mean tested standard. I did not go that route because I wanted to go back to school for Master and did not want to put hurdles in my way for any SL.
I have finally gathered the courage to clean my files and start off with rebuilding while attempting to pay some of the prime lenders off by asking PFD. The reason I wanted to go this route is to later explain to any potential lenders that, despite default, I kept my obligations nad paid them off. I hope it testify to my ethics. (Please correct me if I am dreaming).While I rebuild, I ask all of your help to better plan my strategy.
A bit about my currents goals and profile.
I have three SL that have been in deferment with nothing late.
I also have a vehicle lease that has 5x30 markers that is now current.
I am starting off with two Secured CC. Since eventual graduation into an unsecured line is my ultimate goal, I am considering Discover It and NFCU Secured CC. I do realize that I have CO from NFCU. I called them to find out if I am still eligible for a secured CC while having a CO NFCU CC. The Rep told me I am, however, I was not quite satisfied from his explanation. Please guide me if I should attempt this.
I had AMEX accounts in which PRG was paid in full, while two are CO. I am not sure if I am Black Listed by AMEX. AMEX have been sending me Optima offers to accept which I never accepted. Because I thought having CO (including two of AMEX) on CRAs, I won’t get it. Since I have family members who could add me as an AU, I, now, want to try this and see if I could be added as an AU. It will serve two objectives;
a) It will show if I am blacklisted by AMEX. If I am, it will then help me draw a strategy as to how to resolve it by engaging EO.
b) If I am able to get the card, it will help me rebuild my credit while giving me an opportunity to build a profile with AMEX without getting banned.
Here is what I have on CRAs at the moment.
Amex PRG 120 Days Cancelled by CG PAID IN FULL
Amex BSP CO Canceled by CG $2494
Amex ED CO Cancelled by CG $2244
BOA CO Closed by CG $2800
Barclays CO Closed by CG $1180
Capital One CO Closed by CG $2110 (Deleted by the DF)
Chase CO Closed by CG $5634
NFCU FVR CO Closed by CG $8000
NFCU CLOC 1X 90 DAYS MARKER PAID IN FULL
Penfed CO Closed by CG $6111
Synchy CO Closed by CG $5600
Thank you for reading, all feedback, suggestions, guidance, and criticism is welcome😊