Separate names with a comma.
Discussion in 'Credit Talk' started by kim, Jun 17, 2000.
Barclaycard Ring™ Mastercard®
No annual fee, No balance transfer fees, No foreign transaction fees, Low interest!
CREDIT CARD WITH NO ANNUAL FEEBarclaycard Ring™ Mastercard®
Credit One Unsecured Visa®for Rebuilding Credit
Credit card for people with bad credit to rebuild credit!
BAD CREDIT CREDIT CARDCredit One Bank® Rebuild Credit
First Access VISA® Credit Card
Access to credit even with bad or limited credit! Reports to 3 major credit bureaus and accepted wherever you see the Visa® sign. Get application response in 60 seconds.
CREDIT CARD FOR BAD CREDITFirst Access VISA®
primor® Secured VisaClassic Card
Credit lines available up to $5,000! Reports to three national credit bureaus; perfect card for reestablishing credit. Guaranteed approval*!
SECURED CARD FOR REBUILDING CREDITprimor Secured Visa Classic
Credit One Bank® Unsecured Visa® with Cash Back Rewards
Get cash back on every purchase. Unsecured credit card with monthly monitoring for credit line increases. Improve your credit history with responsible use.
CASH BACK UNSECURED VISACredit One Bank
RE: Total Deletion or wait
Any wordings on your credit file such as paid in full, settled, settled for less than full amount, paid for less than full balance are all considered 100% EXACTLY THE SAME as if you never paid it in regards to credit scoring.
Naturally, the collection agency will LIE to you and say otherwise, but remember nearly every word out of a collectors' mouth is a lie and the BIGGEST lie in the credit industry is that paying off a collection account will improve your credit score.
Tell them having this negative on your credit report these past five years has not prevented you from getting all the credit you desire, and that since paying it off gains you NOTHING you'll have no difficulty waiting 2 more years until this item is purged.
Tell these collection agency scumbuckets its total deletion or NOTHING, if they (and they will) claim they cannot do it they are lying!
Offer them more than 50% if you have to but accept nothing less than total deletion. If they attempt to harass you, send them a cease and desist letter (I don't know what state SOL is, typically 4 or 6 years, your in so can't tell you if your Statue of Limitations for being sued is over) though its extremely unlikely they will attempt to sue you considering the huge cost and hassle, besides if the amount were large enough the original creditor would have done so.
If they attempt to threaten you in any manner tell them you will use the money you were going to use to pay them off to hire an attorney and sue them, same goes if they attempt to illegaly re-age the account.