02-07-2013 06:36 AM
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?
02-08-2013 07:10 AM
Continue making those payments and pay it off. Send GW's, maybe once a month. Sometimes they take a few to get results.
02-08-2013 12:03 PM
I agree that you should continue to make the payment....Once that account has been paid off....send them a goodwill letter by mail.
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