Hey guys, first post here but I post on other sites. I just purchased my credit scores from TU and EQ and also have my credit reports from them, as well as a credit report from EX.
Â
Here’s the deal: Credit card from 05 (HSBC) I could no longer pay on because I lost my job and literally had no income. The amount was only around $566 total. I missed 5 payments and HSBC assign a CA to collect the debt. I had no money to pay them either. HSBC ende up selling the debt to the same CA which they have been trying to collect on. I verbally told the CA I would pay PFD in full but they wouldn’t budge. I sent a letter 2 weeks ago offering the same thing, still haven’t heard back from them.
Â
I would like to get both negative marks completely removed but don’t know how I should go about getting the negative mark removed with HSBC since they sold the debt and they can no longer collect on the account.
Â
What do you recommend? Was the PFD to the CA a good idea? How should I go about getting the account removed with the OC? Any advice/help/tips is greatly appreciated, thanks!