04-27-2012 07:30 AM
hi there, I'm a new member here. I have had a pretty good credit history until last year when I was charged off on Nordstrom VISA. I stuck my head in the sand and ignored it for about a year or so. I went to another site and asked for advice about this charge-off. I spoke to a lower CSR who told me I had to deal wtih the collection agency. I was told on the other sites nothing I could do about the charge off but try to get a PFD with CA. Anyhow, I come on this site to find out about an auto loan and I start thinking about that charge-off and I search for Nordstrom. I found a bunch of useful threads about people having success emailing Nordstrom higher-ups. I did the same and within a day, I resolved my debt to Nordstrom and they have agreed to delete the tagline. I cannot wait to see the jump in credit score. Now I'm addicted and I want to try to get the other baddies (two 30-day lates and one other collection removed). If it wasn't for this site, I would have paid the CA and had no recourse with OC Nordstrom. Thanks.
04-30-2012 02:51 PM
Excellent point-- if you pay the CA, you remove your leverage with the OC.
Plus, an OC will always give you a better deal because they just want their money, while an OC wants the money plus their fee. (And if the CA offers a lower settlement, then the OC would only be getting a fraction of that amount so you are still better off going to the OC and offering less than the CA settlement!)
05-09-2012 04:15 PM
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO