I guess so, berraco58. I've got to find the courage to try again at that same addy...
I wish you luck.
I wish you luck.
Starting Score: 718Well I originally sent one combined letter for the two cards that was very legal-like with a little bit of personality to PO BOX 6500 but that didn't work. I got some boo boo letter saying that they could not do anything since all of the information is factual and that they were going to notify the CRAs that I was disputing the validity of this debt. Ughhh! 
So this time I took out the matter-of-fact type stuff and cried my heart out through a tale of growing up with low means, being the first person in my family to go to college, having little credit education and getting two cards, my dramatic downfall, and the story of my attempts to overcome and the help that the CCC and my SINGLE mother contributed so that I could become a more educated credit user. Of course that included the tale of my current credit worthiness and how the negative info was not indicative of my current status.
So this time I took out the matter-of-fact type stuff and cried my heart out through a tale of growing up with low means, being the first person in my family to go to college, having little credit education and getting two cards, my dramatic downfall, and the story of my attempts to overcome and the help that the CCC and my SINGLE mother contributed so that I could become a more educated credit user. Of course that included the tale of my current credit worthiness and how the negative info was not indicative of my current status.
It was a real tear-jerker. I hope they yield to that one. Here is what happened:
Both cards went into default at the same time and they got late so I panicked. It was three months later when mommy realized what I was doing and took control. She spoke to the CCC on my behalf and arranged a payment arrangement. She told me that I had to send her 150 a month and she let the CCC autodeduct $75 a month per card from her bank account. After a year of doing this, they asked me if I wanted to close the cards, I kept one open and closed the other. Both still had balances. Really all I was paying during that first year were fees and interest. Didn't really do anything for the rest of the time but pay the minimums. Now I wish I would have paid them down completly over that time and of course now I know that closing one of them was stupid. Well three months ago I paid in full the one that was closed which led to a CLI on the open one.
I hope to have the balance driven down on the open one in a couple of months.
Oh yeah my defaulting was a few lates that occurred between May and August of 2004. The nerve of them not to GW it!
Both cards went into default at the same time and they got late so I panicked. It was three months later when mommy realized what I was doing and took control. She spoke to the CCC on my behalf and arranged a payment arrangement. She told me that I had to send her 150 a month and she let the CCC autodeduct $75 a month per card from her bank account. After a year of doing this, they asked me if I wanted to close the cards, I kept one open and closed the other. Both still had balances. Really all I was paying during that first year were fees and interest. Didn't really do anything for the rest of the time but pay the minimums. Now I wish I would have paid them down completly over that time and of course now I know that closing one of them was stupid. Well three months ago I paid in full the one that was closed which led to a CLI on the open one.
I hope to have the balance driven down on the open one in a couple of months.Oh yeah my defaulting was a few lates that occurred between May and August of 2004. The nerve of them not to GW it!
