Spydc Posted July 23, 2003 Report Share Posted July 23, 2003 I have two student credit cards (visa and mastercard) from CITI that I got 4 years ago (freshman year) at college. They were virtually flawless until recently. I lost my job and had medical problems. I couldn't pay so I fell behind. The min payments were so high that i decided to try a debt settlement company. They had me send close account letters / powers of attorney to citi. A month or so passes and then I was fortunate to get a new job. I cancelled the debt settlement program so I can try to salvage these accounts.. Is it still possible to make these positive tradelines again or should I give up? How would I go about negotiating with the OC. It is not charged off. I have attached an illustration of how my two accounts look on privacy guard. Thanks for your help.. Link to comment Share on other sites More sharing options...
kb9tbq Posted July 24, 2003 Report Share Posted July 24, 2003 What is the outstanding balance (past due)? If you can pay close to all of this or make arrangements with the creditors - call them an see if you can re-age the accounts.Meaning that if you meet their requirements they can wipe the lates off of your credit report. (some creditors offer this service) Link to comment Share on other sites More sharing options...
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