I had 2 major credit cards and one Macy’s department car that I owe 900.00 . I already paid Discover and settled a dispute through a creditor, so I paid that one off. Now , every month I’m paying off my Visa card and have been doing good on it. With Macy’s, I have been waiting for a statement so I will know exactly who to give the payment to because I have not been paying it, either they have given up or they are just not sending me a letter. Take note, all of these credit cards including Macy’s, I have not been paying on time or not at all due to my, job “lay offs”…I have phone bills, car insurance, Rent, gas, groceries and other everyday expenses. So, I have been putting it off for a long time now, but now I paid off One whole credit card and paying 250.00 for the second credit card. But what do I do with the Macy’s card? I haven’t gotten the letter, and I want to know if I still need to pay because I want my credit record clean so that it will be a little bit easier to get a new car. I NEED the new car, I don’t WANT it.
Please help me and advise me on whatever you can. -sincerely LOLA