tdhssbn Posted May 18, 2007 Report Share Posted May 18, 2007 Ok, started credit repair in February 2007. To date I have gotten 7 CA's, 5 Judgements off my credit reports all the way across the 3 CRA's. Here is where it gets tough though I guess. I was able to get my mortgage company to report me as 120+ days late paying as of June 2004 vice making wage earner plan payments. I was able to get Drive Financial to remove late payments all together and now reports as paid as agreed, never late. What I have left is 3 CO. 2 with Capital One and 1 with HSBC. The HSBC CO was in June 2002 and one of the Capital One CO's was in March 2002. The last CO with Capital One was in June 2006. I am now taking suggestions on how to proceed with these 3 problems. Any advice will be used wisely. Link to comment Share on other sites More sharing options...
tdhssbn Posted May 18, 2007 Author Report Share Posted May 18, 2007 By the way, when I started in February my scores were 504 give or take 10 points across all 3. Now, four months later my scores are all over 600. Progress has been good, but I am impatient. Link to comment Share on other sites More sharing options...
hiblues Posted May 18, 2007 Report Share Posted May 18, 2007 Have you talked to them? Link to comment Share on other sites More sharing options...
tdhssbn Posted May 19, 2007 Author Report Share Posted May 19, 2007 I have spoken to both HSBC and CAPITAL ONE. Neither are willing to do PFD. They told me at HSBC that the account was sold to OSI BANK and that I can pay them if I want. As for HSBC, they wrote the account off and will not delete the TL. Capital One just wants me to pay them money. Link to comment Share on other sites More sharing options...
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