I had something in collections from JPMorganChase from years ago when I didn’t understand credit & how it works. I jumped on a call with Edgar and he really broke down how the collections & charge offs work. Just wanted to speak on one of my negotiations with the collection company, I was able to talk them down from 4235.00 to a 509.00 settlement which will be completely deleted as of the 19th. Keep going hard & don’t take no for answer!