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Lates, Charge Offs, Collections, OH MY! - Would love some feedback


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Basically, below are the baddies on my reports. I know I can't do much for the lates, but I'm hoping I can work on the other ones. I’ve been lurking and researching, but not sure what to start with. Any help is appreciated.

 

Equifax

 

Lates:   Auto loan – 10x in past 2 yrs.

            8 Navient Accounts – 7x in past 2yrs. (although was in forbearance)

            2 Utah Higher Edu Accounts – 6x in past 2 yrs. (must verify if was in forbearance or deferment)

            1 ACS Group Account – Sold in 2016, shows as closed and current status of 120 days past due.

 

Charge Offs:    Cap One #1 = $1850 from Apr 2020, but shows as open and 120+ past due

                        UM Old Balance from 2012 – $8k

 

 Experian

 

Lates:   Auto loan – 14x in past 2 yrs. Status says: Now paying/was a charge-off

            8 Navient Accounts – 7x in past 2yrs. (although was in forbearance)

            2 Utah Higher Edu Accounts – 6x in past 2 yrs. (must verify if was in forbearance or deferment)

            1 ACS Group Account – Sold in 2016, shows as closed and current status of 120 days past due.

 

Charge Offs:    Cap One #1 = $1850 from Apr 2020

                        Cap One #2 = $613 from Oct 2019

 

Trans Union

 

Lates:   Auto loan – 14x in past 2 yrs. (says C/O for Oct 2018)

            8 Navient Accounts – 7x in past 2yrs. (although was in forbearance)

            2 Utah Higher Edu Accounts – 6x in past 2 yrs. (must verify if was in forbearance or deferment)

            1 ACS Group Account – Sold in 2016, shows as closed and current status of 120 days past due.

 

Charge Offs:    Cap One #1 = $1850 from Apr 2020

                        Cap One #2 = $636 from Oct 2019

 

Collections:     IC Systems (Charter Communications) = $167

 

 Auto loan: It was almost a repo. I paid past due the same day they set it out to be towed. I was 3 months behind. Why are they saying it was a charge off? What can I do?

Student loans: I was in forbearance, but Navient says they no longer change credit reports. They sent me letter confirming forbearance for those months.

Charge Offs: Since they are within past year, should I try to settle, pay in full, or wait a while?

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