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  1. Ok, this is what appears in equifax.com Current Status: CHARGE-OFF Account Owner: Individual Account. High Credit: Type of Account : Revolving Credit Limit: $0 Term Duration: Terms Frequency: Monthly (due every month) Date Opened: 10/2000 Balance: $16,158 Date Reported: 04/2010 Amount Past Due: $3,590 Date of Last Payment: 04/2009 Actual Payment Amount: Scheduled Payment Amount: $541 Date of Last Activity: N/A Date Major Delinquency First Reported: 12/2009 Months Reviewed: 16 Creditor Classification: Activity Description: N/A Charge Off Amount: $1
  2. We contacted BOA and they did informed us that the debt was sold to Northstar, even went to a local branch and they did the due dilligence over to make sure. Yes, the "settlement" agreement is in writing and it has the proper language in order to get it resolved and settled. However, what worries me is that "status" after the collection account is paid. * In the status of BOA in the CRA appears "Account Closed at consumers request, Charged off account" (that is what appears in EQ)
  3. My GF has a BOA chargeoff account that was sold to Northstar Collection Agency, besides them being rude and all she decided to pay off that collection however, the original BOA CC chargeoff amount was/is in the amount of $16,000 however we negotiated with Northstar for paying $2,500 and the debt will be paid and settled. If and when my GF pays that collection account ( will be done this upcoming monday the 10th) what will appear in the CRA ? we were advised that it was BOA's responsability to update the CRA's ? Now, will the credit score increase at all once that the collection account is pa
  4. So, this program of Amex is legit. Which they give you an opportunity to pay off an old debt and they will issue you with an Optima card. Hopefully they won't be looking at credit scores. I've had a 16 year relationship with Amex until things went south. Indeed, they did informed me that I couldn't miss one payment or my one and only opportunity would be gone.So it is called "Oasis program" ??
  5. I'm in the same boat, I'm in a payment arrangement with AMEX until I pay off the debt ( around $1,800) and once I do they informed me that between 30-45 days I would get a Optima with a $750 limit. After all, I went from spending 100K a year on a Platinum Amex to nada. However, they did informed me that I cannot miss one payment or that's it.
  6. Thank you, looks like a great simple letter to send. I will go ahead and send that over to the CRA. What's the best tactic to get rid of the collections? even if they are paid in full ? Thank you,
  7. I am not sure why, but yes I guess I may have to send them a letter. Yes the balance reflects a "0" balance for the line of credit. Also, I do keep a longgg log of the certified letters. How can I work with the chargeoffs? any key? what can I do in order to get them to delete some ? Thank you so much!!
  8. Thank you Thomassl for your response, Truly appreciated. Well, I have a few accounts that need to be taken care of. For example, I have a Suntrust line of credit that was paid in full around seven (7) years ago. It appears as status of "chargeoff" when it shouldn't as I did paid it off prior of any negative action taken into place. I'm not sure if it would be good to try and delete it or as it was 100K line of credit perhaps if I change the status may help me in the long run. What are your thoughts for that ? Also, what are your thoughts of how the economy currently is and everyone having heav
  9. Hello, I'm new to this forum and I would like to get all the help I can through experienced members. Here we go with the questions, *What is the best,positive feedback,reputable credit repair company?. *With facts of course, I've been reading great and bad things of Lexington Law as they appear to be the number one choice by researching around. * Sky Blue Credit ? I'm sure most of you have had experience with credit repair companies and I need imput so I can make a wise choice, I have a lot of knowledge with repairing credit and I've achieved increase my score about 75-80 points within the pas