credit_goddess

I have a credit card with first premier bank and I fell behind 120 days. I am trying to bring the account current and they are willing to help. . My current balance is $683 and they are willing to settle for $303.63. The representative told me that if I was to settle then I would no longer be able to use the card. ( I have no desire to keep this account anyway) but If I pay them in full I would still be able to use the card. What should I do?? The rep told me that they would report to the credit reporting agency that I settled for less than the amount owed. Would this hurt my credit even more?? If so I will just pay the amount in full. I have had this account for 2 years. should I close it out?? Help me pleaaaassssseeee

I would like to know how I could remove the deliquenicies on paid debts. The accounts are not in collections. They are however considerd negatives or deliquent accounts on my credit report(s). I just want to know the best way to remove them. Thanks

BUMP... Please help me... I would like to send all of my letters off tomorrow....

First off... I would like to thank everyone for all of the help around here . I would like to know the best way to tackle my negative TL's. None of them are in collections. Well I have one that is through a collections agency but other than that one, I have paid them through the OC. Would I still be able to use the validation method?? and would I just send the validation letter to the OC? I tried to dispute with equifax only and they confirmed that all of the items were mine. What can I do at this point?? I have 7 negative items being reported: 1. First Premier Bank 60 days past due 7/09 30 days past due 2/09 Bal $411 2. LTD Financial Services ** I plan on sending a PTD letter on this one** 3.Macys 30 pd 09/05, pd 12/04 60 10/05, pd01/05 90 11/05, 02/04 Paid in Full 4. Visa 30 pd 09/05, pd 12/04 60 10/05, pd01/05 90 11/05, 02/04 Paid in Full **Macys/Visa was a joint account and it was opened in 8/2001... Should I bother these two accounts or just let them fall off? I need the history.. I have only had credit for 6 years imma credit baby! 5. WFNB/ EXPRESS 30-PD 5/09 , 01/09 Bal-$427 6. WFNB/ VICTORIAS SECRET 30-11/07 60-12/07 90-01/08 120-02/08 150-03/08 Paid in Full 7. US Department of Education 60-pd 06-09 deferred.. back in school Also, I have just printed off my address verification letters. Should I send those off CMRR and wait for a response before I send the validation letters or can I drop them all in the mail at the same time???

Would you send the address request to each CRA through certified mail??

BUMP! I was wondering the same thing!

Thanks everyone. What is the name of the 4th CRA?? I only know of equifax, Transunion, and Experion(sp?)??

Hello Everyone! I am so happy that I found this board! I have been depressed for months because of my credit situation and I have finally found help!! I am new here and I have read the newbie section but I still have a couple of questions on where to start. I know that I need to pull all of my credit scores..... but what is the best way to do that?? Should I order one of the three-in-one packages or should I pull each one separately? The section also states that I need sign up for credit monitoring. ummm... Which one would you all recomend?? I am so lost but I really need to bring up my score! I have not been able to get approved for anything and I have to get out of this black hole! I am ready for the fight but I have no clue on where to begin. Please Help....

Hello All, Just wanted to say hi to everyone. I am new here and I am starting my journey to becoming an credit goddess! Good Luck to everyone!