topic Re: Best Strategy for.... in General Credit Topics

Best Strategy for....

Anonymous — Tue, 04 Dec 2007 20:35:45 GMT

Getting baddies removed from closed accts? I've searched around and didn't find much for correcting closed accts. I have a few CC's from years ago with some lates on them. Doesn't seem like the creditors have much insentive to make the changes. Do I just challenge them? ideas? thoughts? Thanks, river

Re: Best Strategy for....

Anonymous — Tue, 04 Dec 2007 20:38:45 GMT

It worked for me on my last attempt. Call, call, and call again. Ask for a goodwill. I let them know I wasn't even sure the debt was mine and I was just trying to fix credit. Tell them you didn't know about PFD, but heard companies can make a GW correction.

They really don't have any incentive to help. I just finally got the right kind heart on the phone.

Be as polite as possible, of course.

Re: Best Strategy for....

Tuscani — Tue, 04 Dec 2007 21:53:47 GMT

GW is about your only option.

Re: Best Strategy for....

Anonymous — Tue, 04 Dec 2007 22:10:42 GMT

So GW first, then challenge/dispute it through CRA's?

Re: Best Strategy for....

Tuscani — Wed, 05 Dec 2007 01:18:23 GMT

Actually, you should dispute any inaccuracies first.