I just paid off a charge off account I had with First Savings Credit Card. I had tried sending a goodwill letter to get them to delete the charge off if I paid in full. I also tried to negotiate with the rep I talked to on the phone to delete account or remove negatives. I am pretty new to this and am trying to get my credit cleaned up. Is there anything else I might try that I might not have thought of? This was a legitimate charge off. I ran into some medical bills and such and got behind. This account was charged off about a year ago but never went to a collection agency. I have been making payments for the last year and finally paid off today. Any thoughts or suggestions are greatly appreciated.
Jan 152011
Okay,, here is what I’m still working with. I have a Kohl’s card($100/$500) and a CU credit card($1650/$2500)
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The Baddies…
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Capital One paid off- and assortment of 30, 60 and 120 late payments from may 06-august 07(Goodwill letter to delete account)
Kohls – 1 30 and 1 60 day late from april 2008(goodwill email/letter to delete payments)
AWA Collection agency for AAA So Cal – $133(pay for delete letter written)
Verizon Wireless Charge Off – Aug ’05 $233(pay for delete denied 5 times and counting…)
American Express Charge off – May ’06 $2450(Was offered a deal to pay in full and get a Optima with a $600 limit…Â twice denied pay for delete)
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4 car loans with no delinquencies…
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So, what would be your opinion on what to do first? I have about 2500 I can use for the next 2 months to pay some of this down.
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I appreciate it!
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LamecredÂ
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On Jan 6, 2010, I DV’d NCO and by Jan 19 they sent a letter stating that they closed the account and they would delete. Yesterday, I got a letter from Aegis stating that NCO had placed the account with them for collection. Had no effect on my score but still wanted it gone.
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Is this allowed? What gives?
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After I pay off my creditors through my DMP, will I be able to GW them to either delete the account or delete the baddies? Will it help if I make extra payments so they get their full amounts BEFORE they were scheduled to via payment arrangement proposal?