Finance

Scottish Executive
 

So in my not-so-credit-savvy days, I have a paid charge off from HSBC (Orchard). The Account was charged off in Nov of 07. I paid it in full in May of 2008. i don’t have a CA reporting. So the TL is just HSBC paid charge off.

 

I am thinking about writing a letter to the powers that be at HSBC and proposing that  I am willing to repay the financial loss that I incurred previously, in return for a positive tradeline.  At least I’m giving something in return, so why not? I could care less if I ever had that card reinstated, I don’t need it…but, I need the positive history or a bad tl just gone.

 

Should I just try a GW letter? I kind of believe that GW letters are not that succesful with CO accounts – they seem to work for late payments and such!  So I want to get to yes and fast.   I’d rather just pay the difference at this point and call it a day. 

 

 I am even thinking about suggesting this type of rehab program to HSBC to gain new possible uncovered revenue. Why not go after your customers with previous unpaid CO’s and give them a second chance to help their credit IF they repay what they owe?

 

I really don’t know what else I can do that would produce the response I want.

 

Any opinions?

 

Oh yeah, this TL is scheduled for the electric chair sometime in 2014 – that’s four more years!  :smileysad:

 

Thanks in advance.

 

 

http://www.businesswire.com/portal/site/home/permalink/?ndmViewId=news_view&newsId=20100331005789&newsLang=en

 

“We are excited to be able to bring the benefits of this American Express partnership to Macy’s and Bloomingdale’s customers,” said Tom Cole, Macy’s chief administrative officer. “The new co-branded American Express cards will continue to support the Macy’s Star Rewards and Bloomingdale’s Insider loyalty programs. We expect a smooth transition for our customers without interruption to their shopping experience.”

 

For the last 6 nights I have been getting a call from a 866 number.  Its always after 10pm, and If I don’t answer they never leave a message.  When I do answer I get the “Please continue to hold while we help other customers” message.  I will remain on hold for 15 minutes, then the phone hangs up on me.  When I call back the number (866-945-8627) I get a recording saying that I have reached the Law offices of Mitchell D. Blume and Associates. 

 

No clue who these people are.  A look online tells me they are junk debt collectors.  Anyone know who they usually collect for?  What their primary focus is?  I need to send them a do not contact order, esp because they keep calling after 10pm.  

 

Any insight on this company would be great!!  I am close to wanting to send an ITS letter to them, without even hearing who they are collecting for.

 

TIA!!!!

 


The recommendations contained therein, in the lines of life insurance business for one year, I think that influenced me the lack of custmers growth. I think growing new ways to use their customer base on the market. Now, I use my target friends and relatives, past clients. As the market for a stranger, as part of the production.

 

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Taking into account the insurance industry to use government to force people to buy their products, and often on television advertising, it does not seem very high percentage of bonus payments. The payment of the insurance industry, including the assertion that half of their income? A quarter? 10%?