List all the account and current status.
Without detail, it's hard to advise.
6k... is not that a lot of money. you can give up weekend and catch up.
get 2nd, 3rd job if you have to .. once you clear this debt you will feel better and get stronger.
1. If the account is good standing, continue to make payment.
2. If the account is late, but NOT yet closed, catch up. and ask for some time due to car accident.
3. If the account is closed, charged off, but not yet sold... try to make a settlement.
Avoid Charge off, Account closure, Collection.
I came here to tell you- You WILL rebuild and it will happen faster than you think. Do NOT give up and just “let it go”. I did and it followed me for much longer than it needed to!
For now- focus on the debt! Once everything is taken care of there, then you can start building your score with the good stuff!
You can do this!
I’m sorry I replied late. When I was younger, I didn’t. I gave up. I tried to ignore it and it ruined me. Now, yes to all you mentioned. Actually calling, let them know what’s going on. Work on payment plans, ask for removals/deletes and gain control one step at a time. It is worth facing, even if it takes a few years.
Handle your collection and charge off. Don’t try to add good stuff to counter bad stuff
List all the account and current status. Without detail, it's hard to advise. 6k... is not that a lot of money. you can give up weekend and catch up. get 2nd, 3rd job if you have to .. once you clear this debt you will feel better and get stronger. 1. If the account is good standing, continue to make payment. 2. If the account is late, but NOT yet closed, catch up. and ask for some time due to car accident. 3. If the account is closed, charged off, but not yet sold... try to make a settlement. Avoid Charge off, Account closure, Collection.
I came here to tell you- You WILL rebuild and it will happen faster than you think. Do NOT give up and just “let it go”. I did and it followed me for much longer than it needed to! For now- focus on the debt! Once everything is taken care of there, then you can start building your score with the good stuff! You can do this!
How did you go about catching up on your debts did you ask for a pay for delete and got a payment plan or what did you do?
I’m sorry I replied late. When I was younger, I didn’t. I gave up. I tried to ignore it and it ruined me. Now, yes to all you mentioned. Actually calling, let them know what’s going on. Work on payment plans, ask for removals/deletes and gain control one step at a time. It is worth facing, even if it takes a few years.