Discussion in 'Credit Talk' started by tmitchell, Jun 21, 2001.

  1. tmitchell

    tmitchell Well-Known Member

    Has anyone had any success or any tips for negotiating a deletion for full payment with Providian?

  2. bbauer

    bbauer Banned

    Why negotiate?
    Is the amount so small that it's not worth fighting over?
  3. tmitchell

    tmitchell Well-Known Member


    It's a pleasure corresponding with you. The amount is $977.00. It's now being serviced by Southwest Credit Systems. The collection action was put on my report by Providian and they WILL NOT exchanage deletion for full payment.

    The collection agency will settle for about $600 and said Providian will mark the account paid in full. That's not what I am shooting for though. I'm not sure how to get them to delete it.

    I do sense one error on their part - they have my last name as Mitippl, not Mitchell. Can I hammer them on this in a dispute?

  4. Saar

    Saar Banned

    Changes to your credit file can be made by Providian's Account Maintenance Dept.

    Providian Account Maintenance
    P.O. Box 99607
    Arlington, TX 76096

    Fax #: 817-524-1687

    They removed an acct from my credit reports upon my request. The acct was not delinquent, but was only open for a couple of months.


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