[cstar33]

Okay, so I have this on my report:


MACYS FEDERATED DEPARTME #
9111 DUKE BLVD
MASON, OH 45040
(800) 243-6552
Balance: $ 231
Date Updated: 05/2009
High Balance: $ 532
Past Due: > $ 231 <
Pay Status: >Charged off as bad debt<
Account Type: Revolving Account
Responsibility: Individual Account
Date Opened: 12/2001
Date Closed: 02/2009


Loan Type: Revolving Account - Charge Account
Remark: Acct closed by credit grantor
Estimated date that this item will be removed: 01/2016

So, I have been making payments to ING (Island National Group) and the balance is correct. However, shouldn't the Pay Status show as "paid or paying as agreed" ??? Or should I contact Macy's directly to set up a payment with them?

While I'm at it, I have some current credit cards that the High Balance is above the credit limit. I know this looks very bad, but the reason was for late charges because my payments all got lost in the mail (or atleast that's what I have to believe). Is there anyway to get the Credit Card Companies to remove the high balance/change to the credit limit?

Thanks!!!