I recently went through a divorce and I’m trying to rebuild my credit. Unfortunately, I have a charge off with a balance of 1200.00 left to pay. 2 credit cards in collections which I made an arrangement with the collection company to pay off. I have (3) more credit cards which are about to get a account restriction this Tuesday. I tried to talk with Cap One and I explained my situation to no avail. I can make payments to bring my account current but I can’t until May. I told them I can pay the accounts off in full by June. They said, We are sorry but we don’t have any programs that can help you. I’m in a bad situation right now but I know that it will get better. What can I do to start getting my credit back on track. I know it will take a long time but I’m willing to take the ride.
Thanks for any advice that anyone can offer.