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  1. I should follow up and say he wanted to talk on the phone so we did
  2. Yes it was someone because they called me to talk. One has 1 late and another has 2. So I'm sure this will help. IF anything its certainly not bad
  3. I just wanted to share my strategy. I've written them many many good will letters and always get the generic response. I decided to message them on Facebook and I got an actual human in the states who responded the same. I then replied with a true sob story and the guy said he could remove 1 late payment from each card. This will change my life so much and hopefully raise my score. I just wanted to to share with you guys who might have issues with comenity
  4. Thanks thats pretty much what I figured. There might be a better chance to dispute it. I probably will have to pay once I start working again
  5. I didn't say I was delinquent due to covid. I said I was out of work. This makes it hard to start paying off old charge offs
  6. Hello, Maybe this is a a longshot but has anyone had success writing a goodwill letter to a small debt that they can't pay. I'm out of work right now due to COVID and apartment hunting. I don't want to start making small payments to accounts that might fall of in a couple years, but its still hurting my credit. Any advice?
  7. Long story short I have many charge offs from different cards. They will drop off in a couple years. Meanwhile due to secured cards, good payment history, and being on family members accounts my score has gone up recently. I know that some creditors might blacklist you but is this going to be all?
  8. This was a program where they would reage the account. They didn't charge me for 2 months and now they say that it is charged off and I'm off the program. What are my options. It's my word against theirs. I thought it would be coming out my checking account like I told them ( I only wanted the first payment to come out from my credit card) Does amex do a pay for delete?
  9. I have 3 cards they each are send to 3 different collection agencies. They are all 120 days past due. Ican't pay in full right now but willing to pay over time. Honestly all the collections guys I can't even understand their accents. I was told that I can get on an optima card but I can also go on hardship program. What has been your experiences? Any dealt with Amex directly. When I call they direct me the collections agencies even though I quote the law,etc,etc.
  10. Hello, They told me they have a 12 month hardship program, also that if I paid in full I would get automatically approved for an optima card. Does anyone know what the best way to treat this is? I cannot get some concrete answers if I can apply for the optima after the 12 month hardship program?
  11. I've looked at the credit pulls database but still hard to tell. Anyone that nationally pulls equifax
  12. What if I settle directly with them not the agency? Also will they accept payment plans?

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