BullCity05

I need this Ginny's charge-off paid . I rather have it deleted after my payment. I am not receiving any calls or notices from a collection bureau (I may or may not have told them I was in BK13). This baddie is recent in 2015 and just sitting on my report. My credit union do not want to work with me with these 2 recent baddies (fingerhut is another one). I attempted to pay Ginny's directly online and they did not process the payment. I called them and they say I need to deal directly with collection agency. I am thinking about sending a $400 certified check along with a letter directly to Ginny's as final payment and see if they post it. What process did you use. I read I should DV everything first before a pay for delete. Has anyone else had success with getting Ginny's/fingerhut deleted?

Thank yall.. just pulled my hubby true scores and based on that I DOUBT if it is a true offer. l will hold off for now.

I too am paying because I want TRUE SCORES and was not aware of Credit Check Total. Thanks and will be using after my 30 days is up.

Is the BOFA pre-qual site pretty accurate? I went fishing there to see if my me or my hubby pops up for a card. My hubby came back with an offer for BankAmeriCard. I really do not want to waste an inquiry if their site is like Credit Karma. TIA

I see now....Thank Y'all

Bump...Curious to the best scenario as well. I need to payoff a fingerhut Charge off. I prefer it not show on report at all.

I did a forum search and could not find any info on this "Gardening" members speak of.?

Im new to this side of the board. I was leaning towards BK13 and decided to try and settle and pay my biggies. I have roughly 10 credit cards, Six are current but the 4 biggies are 2 at Barclays for 4K total, 1 at Patelco for 3k, and 1 at CCCU for 2500. I want to put these past due cards with a company to help me payoff before they are charged off. BALANCE dmp is a subsidiary of CCCS and my credit union recommends them only. I do not owe my union but I do trust their judgement? Also, is it better to let the credit cards charge off then offer a settlement on my own? I can not afford to pay everyone so I want to let my 4 biggies go and then pay them off with the lowest possible settlement. Or do I continue to rotate all the creditors never letting one go past the 90 day mark? The remaining 6 cards are low cards less than $1,000 that I can manage to payoff on my own.Will I be able to leave these out of the DMP? Thanks for any info

PayPal...by far is your best choice. It is what I use to track my expenses.

Im leaning towards Biz-Logo and/or volusion.....Any neg / pos experience with these two companies? Thanks

I come to creditboards FIRST for everything. I need a reputable company to do my Business Logo and possibly my e-commerce website design. Logo first......Who did you all use/recommend? I've been searching through pre-designed logos and I may need something custom made. Thanks for any input

I dont do much posting but your plea for help touched me. I vote that you BK asap!....let all that @&!* GO!......No credit is worth your sanity.You can recover from a BK in about 2yrs. I would add that if at all possible, can you at least stay current on mortgage and try to keep your home. If not, then so be it. I hate to sound cold but its as simple as that....Just say F!&@ it and move on. I do pray that it works out for you and that may mean that you lose everything and gain back your sanity. You are still quite young and at the age of 36 you can definitely start over. With this experience under your belt Im sure you will do thangs a bit different next time around. Love Ya!

what is the latest coupon code offer from quill? i want a freebie with my purchase

YES....it is for real....i also thought the process was too easy....but i went thru the whole process in a breeze

^...banks opening soon,we will see who got theres soon