First of all, thank you for all of the valuable information you share. I feel as if I have found understanding! I would like to send Providian, Citi and Discover "pay to delete" letters. How do I find out WHO exactly to send them to? Thanks for any help!
Companies such as these will rarely delete an item. You are better to send a letter offering to pay the account in full, in exchange for the "negative information" to be changed to reflect "paid in full" with no negative account info SOMEHOW, it makes them happy because they still "listed" the account, plus it gives you "good credit"
Thank you for your advice. It's those late fees and interest that kill me! Without all those added on, paying it wouldn't be so painful!
