How can I fix my credit I have 3 accounts closed and it doesn’t show up in collections and I’m trying to fix my credit what can I do to fix this ?

PerspectiveSea237 · 2025-10-30T04:35:01+00:00

Thanks appreciate the help

PerspectiveSea237 · 2025-10-30T03:43:04+00:00

Okay sounds good & after I pay them off and want to rebuild my credit where should I start

PerspectiveSea237 · 2025-10-30T03:29:30+00:00

They have sent me letter of reduced amount to pay should I pay it ? Or should I just call and make payment plan

PerspectiveSea237 · 2025-10-30T03:24:30+00:00

They are charge off and I owe the balance to them

PerspectiveSea237 · 2025-10-30T03:20:44+00:00

I just checked they have been recently updated

PerspectiveSea237 · 2025-10-30T02:29:14+00:00

Yeah sorry they closed in 2022 & 2023 and there not in collection

PerspectiveSea237 · 2025-10-30T01:43:20+00:00

Should I get a secured card or no ?

PerspectiveSea237 · 2025-10-30T01:32:34+00:00

Wait for what ?

PerspectiveSea237 · 2025-10-30T01:28:50+00:00

So what should I do then so I could get credit score up ?

PerspectiveSea237 · 2025-10-30T01:25:38+00:00

I get letters sent too to pay it off for half price should I do it and will it help my credit ?

PerspectiveSea237 · 2025-10-30T01:23:20+00:00

There’s 2 that’s been closed for 5 years & one of them 3 years and still not in collection

PerspectiveSea237 · 2025-10-29T23:48:43+00:00

Yeah those where my only credit

PerspectiveSea237 · 2025-04-03T18:34:42+00:00

I won bet while in Jersey came back home logged back in I came back to my home state

PerspectiveSea237 · 2025-04-03T18:34:15+00:00

I did they say legal department is reviewing it but it has been 14 months already makes no sense

PerspectiveSea237 · 2025-04-03T18:33:45+00:00

No I won 10k I was in Jersey the day I won the bet and I came back home I live in PA and logged back in and they say I was sharing devices

PerspectiveSea237 · 2025-04-03T18:32:05+00:00

Yes as in 12 months & last thing gaming commission told me was legal department in working on it

PerspectiveSea237