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I have a Best Buy/HSBC cc that was charged off a few years ago (I think 3). Of course it has been sent to collections. I don't have the funds right now to send a PFD to the collection agency so I'm leaving it alone until I do.
My question is, should I bother sending a GW to Best Buy in the meantime? It sounds like they're not very generous, so my odds of success are very slim, especially since the balance hasn't been paid off.
Thanks.
Would also like an answer to this one. My situation was one where I did settle for less and was ignorant of credit repair at the time.
If someone has a good GW contact up there as well, that would be awesome.
To OP... Hmmm, you have so little levarage right now and they have a huge incentive to continue reporting - reporting hurts you and encourages you to pay. You could certainly try, but HSBC/Best Buy is tough even under great circumstances - we have a CC that just had a few lates and is still open with a balance and they have denied my MANY GW attempts. Again, the GW is worth a shot and will only cost you a stamp, but realistically, your changes are very low. You're probably better off saving up the full balance and then trying a PDF. Not the quick fix, but it's much more likely to be successful!
Mamobo - For you, I would definitely try GW - again, HSBC is not very GW friendly, but it's always worth trying! I have no great contacts, but if you can find the email ending "@finllintheblank.com" and then find names, you can usually put 2 & 2 together and get in touch will people. GL!