https://ficoforums.myfico.com/t5/General-Credit-Topics/How-to-negotiate-your-rate-yourself-with-creditors/m-p/86997#M52091 <DIV>I've heard that Planet Feedback is a pretty effective way of pursuading places to work with you.</DIV> Fri, 26 Oct 2007 22:31:45 GMT Anonymous 2007-10-26T22:31:45Z https://ficoforums.myfico.com/t5/General-Credit-Topics/How-to-negotiate-your-rate-yourself-with-creditors/m-p/86915#M52041 <DIV>Ok...I have called all creditors to negotiate rates.&nbsp; B ofA most recently referred me to cr. couseling and I declined. They have me at 32% interest after I sent them a letter explaining my current situation with my husband's cancer bills.&nbsp; How does this help me pay off or make minimums when I was asking for help and acknowledging my debt to them.&nbsp; It blows me away that they won't help someone in my situation when there are people out there that just went shopping and charged up cards and don't ever make a phone call.&nbsp; At least I was trying. How do I get through to them?</DIV><DIV>&nbsp;</DIV> Fri, 26 Oct 2007 20:15:09 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/How-to-negotiate-your-rate-yourself-with-creditors/m-p/86915#M52041 Anonymous 2007-10-26T20:15:09Z https://ficoforums.myfico.com/t5/General-Credit-Topics/How-to-negotiate-your-rate-yourself-with-creditors/m-p/86918#M52043 <DIV>It depends how much hardball you want to play.&nbsp; Businesses hate bad publicity.&nbsp; It might be worth your while to go to the local television station or newspaper office and explain the situation.&nbsp; I think they would very much cover your fight with BofA.&nbsp; I have seen a lot of these types of reports on TV, and the pressure always seems to get to the businesses and they give more options or make special exceptions.</DIV><DIV>&nbsp;</DIV><DIV>I would not usually recommend this, but your situation is different.&nbsp; You are making an effort, and they are just basically acting without any compassion.&nbsp; Very upsetting to me.</DIV><DIV>&nbsp;</DIV><DIV>&nbsp;</DIV> Fri, 26 Oct 2007 20:21:45 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/How-to-negotiate-your-rate-yourself-with-creditors/m-p/86918#M52043 John060675 2007-10-26T20:21:45Z https://ficoforums.myfico.com/t5/General-Credit-Topics/How-to-negotiate-your-rate-yourself-with-creditors/m-p/86997#M52091 <DIV>I've heard that Planet Feedback is a pretty effective way of pursuading places to work with you.</DIV> Fri, 26 Oct 2007 22:31:45 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/How-to-negotiate-your-rate-yourself-with-creditors/m-p/86997#M52091 Anonymous 2007-10-26T22:31:45Z