Hello! I have been working on my credit report and getting things squared away. I have paid most my debt off (CC) and such.
I have 11 derogatory items on my report.
1 is a bankruptcy. It was discharged 1/2008. That should fall off in January.
5 are late payments.
Capital One, once 12/16/16 (switched banks and somehow missed this in switching auto pay) only late
Victoria Secret, once 12/12/16, same as above
Barclay bank, once 11/27/16, switched banks and this bounced in the switch
NO Excuse for being late on the above three, other then I missed them at the crazy holiday time. Do you think I would have a chance with a good will letter?
Is there a data base to see who to send it to?
ALLY FINCL 30 days late 6/6/14.... divorce situation and I was co-signer - Loan paid off
WFDS - no idea what this is, assuming its from above, as thats when <Removed> went down 12/6/13
I have 5 collection/charge off---- these were all from the <Removed> divorce. They were all reported in 2014, and magically re-aged and reported 3/2017.
2 from Midland ($434 and $609)
2 from SWS credit ($404 and $151)
1 from Portfolio that was $1650, I filed a motion to rule absolute on this, hoping this will help remove it. Also, since I invoked rights and asked for contractural arbitration, I filed, they never did.. and they re-aged the account, is this a Violation too?
What is my best strategy to help this:
Goodwill letters for the lates?
Negotiate with the charge offs to get them removed?
Wait for Portfolio to remove?