I have a few late payments from summer 2011 on my card. The card is now closed and has been since then. I was very far behind payments due to some money issues, and I entered an agreement with them to pay 175 a month until the balance is paid off. I have enough money now where I could pay the entire balance. I've spoken to them on the phone, and they're unwilling to do a goodwill and remove any late payments. I have disputed (In Jan '13) 2 late payments though, because they occured months after I entered the agreement and was "caught up".
Question, should I just pay it off and take the hit from the summer '11 late payments? Should I ask them over the phone to do a payment for deletion? Should I wait until the dispute is over before sending them a PFD letter?
Continue making those payments and pay it off. Send GW's, maybe once a month. Sometimes they take a few to get results.
I agree that you should continue to make the payment....Once that account has been paid off....send them a goodwill letter by mail.