Mortgage and Insurance

OK… still totally confused on the whole credit situation here…. I’m sitting here reviewing my credit reports now.  I’ve still got the 5 negative accounts to pay off. 14 accounts listed negative. (9 Paid in full or settled). 

the following are marked potentially negative Closed

 

(1) asset acceptance: Paid. Was a collection Account. (experience). Closed. Payment after charge off Paid collection(transunion)

(2) diversified collection: Paid. Was a collection Account (EX) Closed. Payment after charge off Paid collection (TU)

(3) midland credit mgmt: Paid. Was a collection Account (EX) Closed. Payment after charge off. Paid collection (TU) open Account. Paid collection (EQ) (marked as OK for almost 2 years now on EQ)

(4) national asset recovery: Paid. Was a collection Account (EX) Closed payment after charge off. Paid collection (TU)

(5) national city card: charged off as bad debt. Purchased by another lender (TU) (currently trying to get removed, Should have been removed November last year) open Account Paid collection (EQ) (marked OK for EQ for almost 2 years now)

 

with these accounts they are all Paid, yet still harming my score. Should I try to send a goodwill letter to have them deleted? or the status changed? or a pfd to pay what Was left after settlement (problem is, I can’t remember which ones were Paid in full and what I settled for)

 

the following accounts are marked current Closed:(r they hurting me?)

 

(1) GEMB/JCP: Paid, Was past due. Closed grantor request(EX) pays Account as agreed. Zero balance. Closed by grantor(EQ) Paid or is paying as agreed. Account Closed (TU) (both TU and EQ have 2 years of OK history)

 

(2) JJ Marshall and assoc: Paid. Was a collection Account (EX)

 

(3) National City Card: Paid or paying as agreed. Credit card lost. OK history for 2 years (TU)

 

so there are current Closed accounts are they hurting me since they are Closed? My pot. neg. accounts have all been Closed, Paid in full, or settled… how much are they hurting me? And then there is my just plan negative accounts that I KNOW are killing me, but I’m working on them.

 

I do not fully understand when to use PFD, GW, and other options that I have.

 

Also, how do I get all three credit reports to match. EX says I have 15 accounts listed negative, EQ says I have 12, and TU says I have 13. They all say I still have 5 collections open.

 

I am currently sending PFD’s to the 5 accounts I have now, but do I offer a settlement price, or will they contact me with a settlement offer? can I use PFD if I can only afford to make monthly payments? or only send the letters when i’m sitting on roughly 3 grand and can pay everything in full?? how do I choose a settlement offer? is there a right way to approach this?

 

would it be better to contact the companies (without PFD) and set up payment plan to gain payment history or wait and pay in full? my accounts due now are with penn credit corp, rjm, aas, afni, and midland. has anyone had any luck getting accounts from these companies deleted? or any advise how to handle them? any help is going to very very very much appreciated

• pay for delete success with equable ascent financial
• paid Was a collection account
• reopening and old fp cc that was chargeoff