topic Re: DISCOVER - my latest adventure in Rebuilding Your Credit

DISCOVER - my latest adventure

Anonymous — Thu, 13 Dec 2012 20:59:03 GMT

So a few years ago I decided to use a Discover card for a transfer card....bad idea, I know.

So I threw it onto a DMP that I was using. The balance started at like 1.2K. Now its down to 833.

So here is my question -

Should I...continue to pay the DMP and just deal with it like that

Should I...attempt to call them and negotiate

Should I..barrage them with GW's?

I definitely don't mind continuing to use the DMP, but I would like to clean up it's "status"

*The account was closed.

Re: DISCOVER - my latest adventure

RobertEG — Thu, 13 Dec 2012 21:01:32 GMT

What documents/commitments did you sign/agree to as part of your plan?

Re: DISCOVER - my latest adventure

Anonymous — Thu, 13 Dec 2012 21:05:09 GMT

Just a set amount, plus small fee (literally), as far as the DMP.

Discover, the normal paperwork.

A guy from Discover called me a few months ago wanting to negotiate. I just called them back a few minutes ago and got some foreign chick who had no knowledge of that call.

Re: DISCOVER - my latest adventure

Anonymous — Fri, 14 Dec 2012 01:56:16 GMT

bump

Re: DISCOVER - my latest adventure

Shogun — Fri, 14 Dec 2012 03:46:11 GMT

I had a DMP program many years ago. It hurt me bad, and when I questioned their payment methods, they dumped me saying I was in shape to fix the rest myself. Which I did. I prefer handling it myself. I paid Discover off, every penny. It's been 3 years, was thinking of reapplying for a new card.

Re: DISCOVER - my latest adventure

Anonymous — Fri, 14 Dec 2012 04:27:36 GMT

Well the plan isnt that bad.....very easy to deal with, its just the fact that Discover has once called me in reference to settling up with them - the thinking is they would rather deal with you directly than a DMP.