I've been lurking for quite a while, trying to learn as much as I can. But I have a few questions, hopefully someone can help.
I had a Providian card in 99, card limit was $1000, late charges know it up to $2300 dollars. It went to collection account, I was given a settlement amount of $1190. I passed on the settlement amount now it's charged off. I spoke with Risk management and they said they would settle again at $1190, I told them okay but I needed a letter of settlement. Is this what I need to have it removed? I don't have to pay them until 9/20. They told me that I would get a settlement letter, but the chargeoff will remain along with the lates (WTF). Any advice?
2) I have a chpt 13/96 in the claim amount it says $0 $0 - I read on here that it can be disputed but how?
Any help would be appreciated.
9/17/02 (started quest)
EQ 522, TU FAKO 516, EX 506
8/04 TU 612 EX 630 EQ 551
1/05 TU 635 EX 675 EQ 645
First time Homeowner 1/9/03
In the process of purchasing new home construction 1/10/05 Ready 2/22/05