No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Hi!
I have two charge offs through Synchrony Bank. The walmart account was charged off at $649($343 past due) and the Amazon account was charged off at $2115($623 past due). The accounts were not sold, but transferred to assigned collection agencies. Any attempts to negotiate with the original creditor have been turned down on the basis that they no longer have my account information. Any attempts to negotiate with ERC(walmart account) were met with "Let's set up a payment plan, then once the account is paid in full you can speak with the OC as they hold the power to delete things from your credit report."
I feel as though I hit a brick wall. I want to try one more thing. Has anyone had any luck with asking the OC to reinstate the Walmart account and delete any negative information in exchange for full payment? I can't do this with the Amazon account, so any other tips for handling this debt would be appreciated.
Thank you!