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rja7070

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What do I do with closed delinquent accounts? Anyway to repay?
I have 8 closed delinquent accounts. I don't know what to do or where to start. Im stressed and want to get started helping myself. I appreciate any and all help in advanced.

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First, Write "Validation Letters"  you get a template for these on line. 

Validating an account means the the Creditor has to provide proof that A, it's your account and B. that they have followed all the rules in trying to collect it.  Sometimes that is enough to get the account off your report because the creditor doesn't want to go through the hassel of getting all the info collected.

Once you get a response on the Validation, You can start addressing each account you have to pay off.  Start with any that you can pay off in full right away.  Explore oither options as well.  Try "offer and comprimise" and payment plans. 

remeber that a good credit score requires that you take control of your credit and spending.  You credit score is based on your history and how well you manage you credit.  It take self control and planning to get a good score. 

Check out aboutcredit.com and Creditinfo,com for more on building your credit. 

Good luck

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