Feeling Confused · Reine Credit Society

Feeling Confused

I have followed the personal info cleanup, I froze secondary, I sent a debt validation letter, and also a few days from active MOV requests that was submitted on june1st… I have gotten Verizon & Jefferson Capital removed but Guardian has two separate charge-offs.

GM has a repo deficiency.
Midland is a debt buyer.
Portfolio is a collection.
Self is a charged-off secured card

I have received a response from equifax which I had to send a letter off to verify my identity and unlock my credit profile for a freeze I knew nothing about. Experian sent generic responses and I feel like nothing is really getting REVIEWED 🥺 I’ve been actively doing my self credit repair since February and feel like I’m no closer than I was a couple of months ago. Any advice bc I’ve done everything I was supposed to do I think and it’s not that many accounts so idk what I’m not doing correctly. I have saved all receipts from certified mail, all mail correspondence etc . I really feel STUCk right now

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Feeling Confused