I posted this a few days ago with no reply. Let's see if I have better luck this time. I a trying to negotiate to have my Providian accound deleted or marked as PAID by after paying the full debt? Has anyone had any luck with them. The debt is currently showing as Closed (which I don't know if that means it's charged off or just closed). Thanks in advance for any replies.
RE: Question for the Pros- Mom I have never dealt with Providian, but have you reached a deal with them, and did they agree to delete this from your reports, make sure you get this in writing prior to paying them ? How much is owed and from when(date) and has it been put in collections??
RE: Question for the Pros- Mom I can't tell if the account is in collections or not. It just reads closed on my Equifax. The amount is around $2,400. I have not talked to them yet. I was trying to find out the likelihood of them deleting from anyone who has dealt with them. I will be certain to get EVERYTHING in writing first. Thanks for the reply.
RE: Question for the Pros- Mom My experience is that credit card companies respond to verification. And they use their own internal collections department.
