vickinicole Posted January 21, 2008 Report Share Posted January 21, 2008 I opened 3 HSBC cards in 2006. I defaulted and they were charged off in 2006 as well.I disputed with the CRA's and the OC sent me the results of their investigation verifying the accounts as mine. They alssaid they sold the accounts to First Financial. I don't dispute whether the accounts are mine or not. My problem is that these accounts will be on my CR for 5-6 more years. Is there ANY WAY to get them to report positively?Should I try to negotiate with the CA? I can't afford to pay a lump sum, but I can afford to pay maybe $30 a month on each of the 3 cards. The CA are saying each card balance is a lil less than $500. (The CL when I had the cards was only $300, so the rest is excessive fees)Should I even try to work with the CA or just deal with having 3 negative derogatory tradelines on my CR for the next 5-6 years? Link to comment Share on other sites More sharing options...
betam4x Posted January 21, 2008 Report Share Posted January 21, 2008 Who is the TL being reported under, HSBC or First Financial? If it is HSBC there is nothing you can do. Link to comment Share on other sites More sharing options...
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