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Need help negotiating Pay-To-Delete with original creditor?


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Hello guys. I’m a 22 year old who got their first credit card last year. I ended up getting 3 and was VERY dumb with them. 
 

I owe $500 to Discover, $460 to Macy’s & $1,200 to Nordstrom. I currently have closed accounts from all 3, but only Macy’s and Nordstrom have flagged my account as a charge off. 

 

Is there is ANY way to get them to delete the “closed account” and “charge off” history off my credit report. I just got my tax returns and have enough to pay them all in full. All I want is to have a CLEAN credit report as if I had just started from scratch. 
 

I just got off the phone with Nordstrom CC services and she told me they don’t do pay for delete, as they have to accurately update the credit bureau, but that if I fully pay, in 10 days, the balance on my account will update to zero, meanwhile if I do a settlement, it’ll update 30 days after the last payment has been received. 
 

I asked if I could negotiate through mail, and she said all they could do is send me a “current status letter”. 
 

I didn’t know this stuff stays on your report for 7 years. I really hate myself for this. 
 

 

Edited by Y2Kbtc
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Welcome to CB! Don't be so hard on yourself. If we taught this stuff in school, many of us would never have had to seek help here! Most of us have had to learn how credit works the hard way.

 

I'll let the more knowledgeable posters get into the specific advice; I just wanted to tell you to stop kicking yourself. Learn from the experience and make sure not to make the same mistake again!

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