The last negative item on my credit report is a charge-off from Providian. Has anyone succeeded in having one of their accounts removed/deleted? What was your approach? This is the most stubborn item I have yet to deal with. No negotiation, always verified. Any thoughts/
From experience, I can tell you that Providian is hard to deal with. Even on an account that has been closed for three years, as well as paid in full, they won't budge on removing late pays. Frankly, the attitude of the company is snotty and unresponsive. Calling hasn't helped and Planet Feedback didn't work. Maybe, if you dispute with the bureaus, the derogs will come off. Good luck Donna
No deletion yet...Their Fraus department has contacted me since I never did complete an application...That's what they get for appoving people over the fone
Saar, Thanks for the info...what approach should I use with them? This account was charged off in 1997. Will become obsolete in 2004. Do think they will work with me at the address you provided?
I just agreed to settle a charge-off with Providian thru a collection agency called FMS. I spoke with FMS today, they settled at about 60% of the charge-off. This is my only bad mark, but it's still bad enough to sink my FICO to 600. This one is from 1/98. The lady from FMS suggested that I wait til about a month after it gets switched to paid on my reports, then dispute the charge. She said she's seen many get deleted if it was your only bad mark on the report, in similar circumstances. She may be full of it, but she gave the advice unsolicited. She said Providian definitely would NOT alter the entry as part of the settlement.
