
workingonit2
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Hi all, So forgive me; it's been awhile since I've had credit problems, but last year was a rough one... SO I had two cards with capital one that both charged off about 6 months ago...... I just got a letter dated 1/18 that says "My account was acquired by Sherman Originators III, LLC on 1/17." And that they own my account and may contact me yata yata.... a) trying to not panic that I will receive a summons 😱😱 b ) I am totally wanting to pay these off. One is for 733.00 and the other for about 1200.00 My finances are kind of tight as I've been pa
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Charge Offs--I'm panicking
workingonit2 replied to workingonit2's topic in Credit Bureaus/Reports/Scores
Thank you so much. Yea... I've calmed down. A lot lol. Not panicking anymore. I've had charge offs years and years ago, like college and I just remember the sigh of relief when they finally fell off... I worked hard to clean up my credit, so I think I'm, more than anything just frustrated that this was such a tough year financially that this even happened. I still have a steady source of income so I know I'm not in as troubled waters as some... And so far, these are my only blemishes. They're just BIG ones..... Capital One was really good to me, I'm sad I wasn't able to hang in there. Anyhow..- 8 replies
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Charge Offs--I'm panicking
workingonit2 replied to workingonit2's topic in Credit Bureaus/Reports/Scores
Oh wow thank you! Panicking a bit more now lol but I'm glad I know that! I called them as soon as I read what you wrote but their offices are closed of course today. Will call first thing Moday. Ugh I hope it's not too late. It's been a couple months... :/- 8 replies
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Hi everyone, I'm totally new to the forum so hi and hello. Bottomline, I am in complete PANIC mode. In the last few months, I have 4, yes FOUR account charge offs. I had two accounts with Capital One, and two accounts with First premier Bank and they have all, now, charged off. This year was a tough year for me financially; i made a lot of mistakes and did some overspending last year and it seems this was the year everything came around to bite me in the butt. Obviously hind sight is 20/20 and I see now all my mistakes---shouldn't have got the cards to begin with, should have
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