PFD with OC?

[fishbjc]

I have an acct w/WFNB for 1481.  In the past I've been behind. 

I'd like to offer them the full payment for a pfd.  Think they'll go for it?  I'd like to get that entire trade line erased.

Message Edited by fishbjc on 01-26-2008 07:05 PM

[fishbjc]

bump

[haulingthescoreup]

All you can do is try! I've heard that they're not the most cooperative bank on the face of the Earth.

[Anonymous]

I hate their website that they have for V.S. It's very clumsy getting around.

I've thought of closing it many times, but then....ooooooooooooo a new sale! lol.

I have a couple of 30 day lates from 3 or 4 years ago, and haven't attempted GW'ing.

fishbc, is the account in collections? Sounds like it is.

[fishbjc]

No it's not in collections, but it's reporting as 60 late...I'd like to get the entire trade line erased.  I'm going to send them a letter and see what they say.  My min payment is $245 rather than $66 because they added late fees and cannot explain the rest...hmm

[Anonymous]

Oh how awful! Sorry to hear your problems.

Remember...if you close a cc, you immediately lose the benefit of the cl reporting, (which helps utilization) and that loss could cause your scores to drop. But the payment history remains for 7 years.

$245.00??? What gives? Certainly they can't tack on THAT many fees, can they? That stinks.