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VENTING FIRST PREMIER

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dobirdsmommy
Established Contributor

VENTING FIRST PREMIER

So I call up to try to settle my 5 year old debt.  Lady was so nasty! on a 206.00 debt she offered 140. PFTTT

 

I said 100.00, She said if you can do 100.00 you can do 105. NO I wanted 100.00 so I could pay her evenly with a card with just that balance on it so they could not attempt more.

 

Think I am better off sending a letter?

 

 

building since 2011 Wallet:ME: Walmart 3k;Barclays Rewards 10k, Venture 18k; Slate 5k; Freedom 10k; overstock 4.8k, SGV2.5k; WEMC 20k 1.5 Rewards, Gamestop 1.2k, Fingerhut 3k; 2 NMAC Leases , VS 1.75k, BH 1.62k, Express 1.6k, Avenue 1.75k, JCrew 5k, HSN 1.47k, Torrid 1.55k, Roamans 1.4k, Jessica London 1.54k, kings direct 1.7k, Buckle 1.4k, WW 1.65k, ........ baddies:Fed Tax Lien
DH: 1750 capital one fh 2000, AU - VS, BH, HSN, WEMC, SPGV. Freedom, Slate, Venture, Barclays
Message 1 of 7
6 REPLIES 6
CreditRepairGirl23
New Contributor

Re: VENTING FIRST PREMIER

This may not be the answer you want to hear but my stradegy throughout my journey was to not argue with the nasty ones "pick my battles"

 

If you owed $206

 

They would accept $105

 

and you want to pay $100

 

I would have paid the $105 and been done with it - $5 is not worth the aggravation etc.

 

There may be much more important battles for which you should save yourself for Smiley Wink

Message 2 of 7
DaBears
Senior Contributor

Re: VENTING FIRST PREMIER


@CreditRepairGirl23 wrote:

This may not be the answer you want to hear but my stradegy throughout my journey was to not argue with the nasty ones "pick my battles"

 

If you owed $206

 

They would accept $105

 

and you want to pay $100

 

I would have paid the $105 and been done with it - $5 is not worth the aggravation etc.

 

There may be much more important battles for which you should save yourself for Smiley Wink


+1

Message 3 of 7
dabrian
Frequent Contributor

Re: VENTING FIRST PREMIER

Did you offer to pif for tradeline removal?
NFCU Sig Cash-20k/ Amex BCP-19.4k/ Amex Costco-1.2k/Chase Marriott-12k/CSP-13.4k/ Freedom-5.5k/ Discover IT-14k/NCSECU-5k/Walmart-10k/Lowes-25k
Message 4 of 7
dobirdsmommy
Established Contributor

Re: VENTING FIRST PREMIER

Yes I have in the past. Actually 2 months ago I offered double for delete
building since 2011 Wallet:ME: Walmart 3k;Barclays Rewards 10k, Venture 18k; Slate 5k; Freedom 10k; overstock 4.8k, SGV2.5k; WEMC 20k 1.5 Rewards, Gamestop 1.2k, Fingerhut 3k; 2 NMAC Leases , VS 1.75k, BH 1.62k, Express 1.6k, Avenue 1.75k, JCrew 5k, HSN 1.47k, Torrid 1.55k, Roamans 1.4k, Jessica London 1.54k, kings direct 1.7k, Buckle 1.4k, WW 1.65k, ........ baddies:Fed Tax Lien
DH: 1750 capital one fh 2000, AU - VS, BH, HSN, WEMC, SPGV. Freedom, Slate, Venture, Barclays
Message 5 of 7
dobirdsmommy
Established Contributor

Re: VENTING FIRST PREMIER

5.00 is 5.00. It is the principle to me. It was a card I never even activated.
building since 2011 Wallet:ME: Walmart 3k;Barclays Rewards 10k, Venture 18k; Slate 5k; Freedom 10k; overstock 4.8k, SGV2.5k; WEMC 20k 1.5 Rewards, Gamestop 1.2k, Fingerhut 3k; 2 NMAC Leases , VS 1.75k, BH 1.62k, Express 1.6k, Avenue 1.75k, JCrew 5k, HSN 1.47k, Torrid 1.55k, Roamans 1.4k, Jessica London 1.54k, kings direct 1.7k, Buckle 1.4k, WW 1.65k, ........ baddies:Fed Tax Lien
DH: 1750 capital one fh 2000, AU - VS, BH, HSN, WEMC, SPGV. Freedom, Slate, Venture, Barclays
Message 6 of 7
poohda23
New Contributor

Re: VENTING FIRST PREMIER

I agree pay the $5, because they could have said pay in full.  I had two accounts from First Premier on my credit reports, and it was figuring into my utilization.  Once I paid them my score really increased, and even though they said they would not do a PFD they were deleted.

Message 7 of 7
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