Old Debt

Hi nikki052980

Welcome to the forums. I read your post and we will try to make your credit report perfect. As per your query, most unsecured debts are included in the debt consolidation program such as the credit card debts, unsecured personal loans, charged off accounts and collection agencies. However, secured loans such as car loans or mortgages are not consolidated in this program.

You can pay your charged off accounts shown in your credit report through the debt consolidation program. After the accounts are paid in full, the creditors report to the bureaus and it will get dropped from your credit report.

Please feel free to get any other queries answered in the forums.

Regards
Roxette
A thing of beauty is a joy forever

Hi nikki,
Welcome to the forums.

I went through you query. What I believe nikki, is that since your debt/charges are in a charge off status so already R-9 is on your credit report. Hence, you should definitely go for a debt consolidation program and pay off your debts as quickly as possible. Do not delay any further.

Please call the customer care dept of this site who I am sure will help you a lot. The toll free number is 877-NO-DEBT-8.

Alternatively, you can also fill up the sign up form that is provided by this site and become a free member.

Hope to hear from you soon

Regards,
Peter

Hi: I have a negative item on my report that is listed as Paid,Closed/Account charged off. $[$ amt] written off. This was something that I paid within the timelines they gave me, but the creditor is refusing to take it off of my credit report? Can I do anything about this?

[quote=roxette]

You can pay your charged off accounts shown in your credit report through the debt consolidation program. After the accounts are paid in full, the creditors report to the bureaus and it will get dropped from your credit report.

Please feel free to get any other queries answered in the forums.

Regards
Roxette
A thing of beauty is a joy forever[/quote]

Hi kansas_spam

Welcome to the forums. As per your post, you will need to dispute with the creditors. Please make sure that your challenge should not be irrelevant or frivolous. Please include some documentation that makes your support more challenging.

Please let us know your feedback. We wish to hear from you soon.

Regards
Roxette

The number that you mentioned peter is not right I guess. How to get in touch with you? I would prefer to talk to you first. Any suggestions.

Kansas

Peter mentioned the number that this company was using in earlier days. I saw his post made on 05.30.05.

Presently, the number to call for a free counseling is placed at the blue box at the left hand side. It's 800-601-1579. I used this number to get in touch with their customer care representative.