Good news!! Bad stuff removed.

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Optimist

Joined: 22 Aug 2009
Optimist's page
Posts: 20

1295 Magic Points

Subject: Good news!! Bad stuff removed.

Tue Aug 25, 2009 6:50 pm

So, after endless hours reading here and there.... I made the call to one of my credit cards. I've never been late with them BUT only 2 times. It shows on my credit report that I was 30 days late on March 08 then May 08. I respectfully asked to have that information removed....and THEY DID IT!! Yeay!

One card at a time.... =)

goodnatured

Joined: 03 Nov 2007
goodnatured's page
Posts: 3927

10 Magic Points

Tue Aug 25, 2009 10:51 pm

That is awesome, I bet you feel so empowered. I guess knowledge is power, I am so happy that things have worked out for you. I think people need to have some positive things like this posted, keeps the hopes of those who are trying to raise their scores.

So this should help your score out right? You are an inspiration, keep up the good work, Very Happy

Optimist

Joined: 22 Aug 2009
Optimist's page
Posts: 20

1295 Magic Points

Tue Aug 25, 2009 11:11 pm

Thank you goonatured!

I love this website.... I am hooked! lol

Sadly after 2 charged off accounts, I am trying to take care of business.

My advise: Do make a deal with your creditors BEFORE they sell your account. Even if they "charged off" the account, you still have the chance to request for deletion of derogatory items. Hopefully you can get that as part of the deal!

fireyone

Joined: 26 Feb 2008
fireyone's page
Posts: 4285

127 Magic Points

Wed Aug 26, 2009 12:33 am

Optimist, You are very right. You need to handle matters before they sell a debt. Your best chances in resolving the matter with the least amount of damage to your report is to deal with the original creditor. Also glad you are enjoying the site. You will find so much good information here. There is always something new to learn!

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* Disclosures:

Your personal details (name, email address and phone number) will be delivered to the company advertised on the Creditmagic after ve agreed to go for the counseling session by filling out the no-obligation form. However, it is your discretion to accept or reject their services.
Not all the creditors/debt collectors agree to trim down the outstanding balances, interests, and fees payable by the consumer.
Consumers working with the debt relief companies can still be sued by the creditors/collection agencies.
Debt relief services may have a diminishing effect on the creditworthiness of the consumer. The total outstanding balance may increase as the additional fees get accrued.
The overall amount saved by the consumer through the debt relief services is considered as taxable income by the IRS.