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Thank you so much for this post!!! This is my 1st post to the site, and this is a great win! Congrats!!
Question Re: the Ncac account. i also have this on my credit, and im wondering... did you call them directly and ask for a PFD? or did you mail them? also, did you offer lower than what is showing you owed? if so, how much lower did you offer? and what did they settle for?
i have to start my process with them immediatly, and am looking for any advice your able to give about them. thank you so much!!!
Did you use the address listed on the credit reports to send your letter to for Seventh Avenue? I need to get one of those off hubby's CR.