Only one thing standing between me and a perfect, unblemished Equifax--and thus my AMEX Delta SkyMiles--a Mervyn's account from way back. Any thoughts on trying for a deletion?
Not sure. I called last week and was told I should have requested this when I paid the account 2 1/2 years ago. I didn't know to request that back then. I asked if they would consider it now. She said she doubted it but would check for me and call me back. Needless to say I have heard no response. My chargeoff amount was for $34.00 I figure that is late fees or finance charges. I know it's not purchases if it was a chargeoff. I am going to send Doc's nutcase letter if Mervyns won't delete per my request. If you try let me know. Thank you and good luck. HeatherB
THE ONLY THING STANDING BETWEEN BE AND MY DELTA GOLD SKYMILES CARD...is me allowing them the permission to "THEFT" part or all of my AMEX BLUE credit limit!!!
About five years ago. No, not paid. That's what I'm considering, paying it off in exchange for a deletion.
Well, the only way to find out if they delete for cash is to go ahead and offer to. BUT just make sure you tell them in your settlement offer that this is not an admissal of a debt. Is it past SOL? If so, you really have nothing to lose. If I were you, I would try validating first, then IF they provide you proper validation (which after 5 years may be difficult to do) then I would try to settle for deletion. If all else fails, you only have 2 more years. Sucks, I know.
