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Tango60

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  1. Thank you so much, I will do as you advised and see where it goes. I paid the collection immediately to the OC, as it stands now it appears to have dropped my score on TU 4 points without showing as paid yet, hopefully if I can't get it removed it will have less effect once it shows paid. Sent from my SM-G965U using Tapatalk
  2. April 2018 I had to visit the ER and for some reason never was asked for a co-pay at the time of the visit. Completely forgot about the visit and pretty much ignored a couple of pieces of mail from the hospital. Fast forward, February 2019 and I get a call from Russel, Overton and Doer..A collection agency for the hospital. I did not admit owning the debt and they offered enough detail for me to realize it was a valid debt. They have already reported me to Transunion, it hit last week. I don't see any activity on Experian or Equifax. Today I called the hospital and simply paid the $150.00.. Have I screwed the pooch on getting this removed from my credit report using any parts of the HIPPA method? Sent from my SM-G965U using Tapatalk
  3. Welcome to CB! Cap One doesn't make those deals. Not only that, they sue, and they keep their records, so it's hard to beat them. If I were in your shoes, I'd contact them, explain what happened, and tell them you want to make good on the accounts. Tell them how much you like them, and you hope this doesn't ruin your chances of ever having another card with them (it likely won't). Then settle up. They don't usually sell their charged off accounts, and they have their own collection department. As far as which office is best to contact, I imagine there are some folks here who can advise you on that. Capital One sold my charged off accounts to Portfolio... Sent from my SM-G965U using Tapatalk
  4. I am in the same boat but worse, I not only filed BK chapter 7 in 2011 I screwed the pooch and messed my fresh start up again royally. I do not have a home with equity... I made a decision, good bad or indifferent and settled with ALL the the credit card companies that were charged off. I was at least 4 years out from any of them falling off my reports and honestly grew sick and tired of the humiliation you wrote about in your post. One thing I had always done right was pay my motor vehicle loans perfectly and that saved me a few points when i had to buy a new vehicle. My new car auto rate is around 15%... I have started again with a secured 1000 card through my local credit union, a 300 Discover secured and a 250 Capital One secured card. My credit scores are all in the really low 500s and my hopes are that I can increase them to the mid 600s within a year with timely payments and 0 balances on the cards, using them for gas and paying the balance as soon as the statements hit... I feel your pain and look forward to hearing how things work out for you moving forward. Sent from my SM-G965U using Tapatalk
  5. That is to bad, seems it's an all or nothing type of situation then? Sent from my SM-G965U using Tapatalk
  6. That is pretty much my hope, that and trying to make some headway with the abuse I've given my credit profile. $7,000 charged off, they haven't sent it to a CA yet. Paying down 50% of my bad debt seems like a good idea in my pea brain AND hoping NFCU likes me cleaning up my mess with them and giving me a second chance. Sent from my SM-G965U using Tapatalk
  7. I understand some of the basics of what you are saying about the SOLs, how will that help me if Im trying to improve my credit report as it stands? I was under the impression that although I may be outside the SOL the debt stays there unpaid, they cant take action against me but is that a better option (letting them age off) over trying to settle and close them out? Sent from my iPhone using Tapatalk It depends of your credit needs now. My post above helps you move forward in a positive way although it' will cost you a bit. There are too many new negatives on your reports so my recommendation is to reduce them especially the smaller Amounts.My credit needs now are minimal if any. What I want to do is help my overall score and profile, hopefully building at the same time. My scores are in the low 500s and its driving me nuts! Sent from my iPhone using Tapatalk Why is the lowth of your scores driving you nuts? Do you have an emergency mortgage app coming up or something? Bluntly, your scores are going to stay low for some time. One of the posters around here has a signature that reads "Credit repair is a marathon, not a sprint." Fair enough question....Its driving me nuts for a few reasons. 1. With the cash infusion I mentioned above to pay off/settle as much as I can I was hoping it would increase my scores and decrease my collection calls, mail and feeling crappy about being irresponsible in where I am credit wise. 2. IF something came up financially it would be great to be able to handle the situation like a big boy, something I have failed to do so far. 3. I want to start rebuilding and realize its not a quick fix, but knowing I have a few years before the BK falls off ...Maybe its wishful thinking since it was handled so bad after the fact. 4. I appreciate the feedback I have received so far and am still all ears. I have read a ton and am still all ears for any thoughts that may clear my self induced confusion! Sent from my iPhone using Tapatalk Any thoughts on my paying NFCU the $7,000 they charged off to help my "utilization" and get back in their good Grace's? I am a few months away from being outside of the SOL and it will not fall off until late 2022...That amount is pretty much half of my charged off debt and updates monthly. I have recently received the Discover and Cap 1 secured cards..Cap 1 charged off 2 cards that are out of SOL and both will fall off in 2021 so I was surprised to get their secured card. I hope I'm not off base in thinking paying off NFCU will help me in the long run, I would like to fix my relationship with them and get rid of a large portion of this debt I'm drowning in ..If I were to give them all of that money and have them tell me to pound salt after that would be a tough pill to swallow. Sent from my SM-G965U using Tapatalk Do NFCU over time with some kind of repayment plan which could have a positive effect with other lenders on manual review.Thank you, I can set up a payment plan worth them and my shared savings account is still active. Would they HAVE to report any payments sent on a plan or otherwise to the credit bureau's or is that up to them? Sent from my SM-G965U using Tapatalk
  8. I understand some of the basics of what you are saying about the SOLs, how will that help me if Im trying to improve my credit report as it stands? I was under the impression that although I may be outside the SOL the debt stays there unpaid, they cant take action against me but is that a better option (letting them age off) over trying to settle and close them out? Sent from my iPhone using Tapatalk It depends of your credit needs now. My post above helps you move forward in a positive way although it' will cost you a bit. There are too many new negatives on your reports so my recommendation is to reduce them especially the smaller Amounts.My credit needs now are minimal if any. What I want to do is help my overall score and profile, hopefully building at the same time. My scores are in the low 500s and it’s driving me nuts! Sent from my iPhone using Tapatalk Why is the lowth of your scores driving you nuts? Do you have an emergency mortgage app coming up or something? Bluntly, your scores are going to stay low for some time. One of the posters around here has a signature that reads "Credit repair is a marathon, not a sprint." Fair enough question....It’s driving me nuts for a few reasons. 1. With the cash infusion I mentioned above to pay off/settle as much as I can I was hoping it would increase my scores and decrease my collection calls, mail and feeling crappy about being irresponsible in where I am credit wise. 2. IF something came up financially it would be great to be able to handle the situation like a big boy, something I have failed to do so far. 3. I want to start rebuilding and realize it’s not a quick fix, but knowing I have a few years before the BK falls off ...Maybe it’s wishful thinking since it was handled so bad after the fact. 4. I appreciate the feedback I have received so far and am still all ears. I have read a ton and am still all ears for any thoughts that may clear my self induced confusion! Sent from my iPhone using Tapatalk Any thoughts on my paying NFCU the $7,000 they charged off to help my "utilization" and get back in their good Grace's? I am a few months away from being outside of the SOL and it will not fall off until late 2022...That amount is pretty much half of my charged off debt and updates monthly. I have recently received the Discover and Cap 1 secured cards..Cap 1 charged off 2 cards that are out of SOL and both will fall off in 2021 so I was surprised to get their secured card. I hope I'm not off base in thinking paying off NFCU will help me in the long run, I would like to fix my relationship with them and get rid of a large portion of this debt I'm drowning in ..If I were to give them all of that money and have them tell me to pound salt after that would be a tough pill to swallow. Sent from my SM-G965U using Tapatalk
  9. I understand some of the basics of what you are saying about the SOLs, how will that help me if Im trying to improve my credit report as it stands? I was under the impression that although I may be outside the SOL the debt stays there unpaid, they cant take action against me but is that a better option (letting them age off) over trying to settle and close them out? Sent from my iPhone using Tapatalk It depends of your credit needs now. My post above helps you move forward in a positive way although it' will cost you a bit. There are too many new negatives on your reports so my recommendation is to reduce them especially the smaller Amounts.My credit needs now are minimal if any. What I want to do is help my overall score and profile, hopefully building at the same time. My scores are in the low 500s and it’s driving me nuts! Sent from my iPhone using Tapatalk Why is the lowth of your scores driving you nuts? Do you have an emergency mortgage app coming up or something? Bluntly, your scores are going to stay low for some time. One of the posters around here has a signature that reads "Credit repair is a marathon, not a sprint." Fair enough question....It’s driving me nuts for a few reasons. 1. With the cash infusion I mentioned above to pay off/settle as much as I can I was hoping it would increase my scores and decrease my collection calls, mail and feeling crappy about being irresponsible in where I am credit wise. 2. IF something came up financially it would be great to be able to handle the situation like a big boy, something I have failed to do so far. 3. I want to start rebuilding and realize it’s not a quick fix, but knowing I have a few years before the BK falls off ...Maybe it’s wishful thinking since it was handled so bad after the fact. 4. I appreciate the feedback I have received so far and am still all ears. I have read a ton and am still all ears for any thoughts that may clear my self induced confusion! Sent from my iPhone using Tapatalk
  10. I understand some of the basics of what you are saying about the SOLs, how will that help me if Im trying to improve my credit report as it stands? I was under the impression that although I may be outside the SOL the debt stays there unpaid, they cant take action against me but is that a better option (letting them age off) over trying to settle and close them out? Sent from my iPhone using Tapatalk It depends of your credit needs now. My post above helps you move forward in a positive way although it' will cost you a bit. There are too many new negatives on your reports so my recommendation is to reduce them especially the smaller Amounts. My credit needs now are minimal if any. What I want to do is help my overall score and profile, hopefully building at the same time. My scores are in the low 500s and it’s driving me nuts! Sent from my iPhone using Tapatalk
  11. I understand some of the basics of what you are saying about the SOLs, how will that help me if I’m trying to improve my credit report as it stands? I was under the impression that although I may be outside the SOL the debt stays there unpaid, they can’t take action against me but is that a better option (letting them age off) over trying to settle and close them out? Sent from my iPhone using Tapatalk
  12. I should also add that I just received both the Capital 1 and Discover "it" secured cards...low $300 limits on both but I hoped that as I rebuild these will come in handy for that purpose,
  13. So the basic story is I am a poor money manager and want desperately to get better! I have once again dug myself into a hole after a Chapter 7 BK filed in 2011 and discharged successfully. I live in NY, that may help with any guidance folks may be willing to offer. After my BK in 2011 I started rebuilding and was doing extremely well...I got a car loan with the despised Santander Bank BUT paid every payment on time and never had an issue with them. Loan was paid and never late. I financed a pre-owned Harley Davidson and actually ended up trading the first one after a year and a half and bought a different one and paid that successfully barring 2 lates. Loan is closed and paid. I opened several credit cards including 2 cap ones, barclay, NFCU ($7,000 limit), and a few others. Bottom line is I want to help myself and am not sure which route to go. The dates listed are the dates of DOFD on the cards along with the balances. a handful have been CO and sold to the usual...Midland and Portfolio. My BK will not fall off until 2021 from what I have read here (unless I missed something?) I also have a high interest car loan opened in May of 2017 and owe around $8,000, I put some $$ down...payments are only $234 mo as it is a solid, late model car that is not worth what I owe but I have never been late and no plans on doing so. Credit Card debt: 12/16- Milestone - $564 11/16-First Premier - $346 11/16-Credit One - $1033…..Midland 11/16 – AT&T ..$692.. Sunrise Credit 03/16- NFCU - $7341 12/14- Target - $481….Portfolio? 12/14-Merrick Bank - $1279….Midland 11/14-Barclays - $940….Portfolio 10/14 – Midland - $963...Cap One 09/14 – Cap One $664 - Midland 06/14-Firestone - $1121 I have managed to come up with around $6,000 to help take care of whatever I can in the smartest way I can to benefit my overall credit profile...Given the SOL in NY has me a minimum of a few years out from these dropping along with the BK being 7 years old should I work to pay these be it all or a percentage agreed upon with the debt holder or do I pay the high interest car loan down and work payment agreements out with them? Any questions I'll be happy to try and answer....Also I DID clean up old addresses, names and phone numbers. These debts were incurred by me as well. Thank you in advance for any thoughts and ideas, I feel good that I can put a dent on those numbers but where to start!

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