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My concern with EE is it updates every month. If they remove it will it come back when they update it the next month?
@FireMedic1 wrote:
@Anonymous wrote:
@chiefone4u wrote:
@Anonymous wrote:Hi, I'm new to the forums but am learning. Has anyone settled with Target National bank? I have a charge off about 2 years old $5700. I have never received a collection note or letter from them. I've just let it sit dealing with other creditors and this is my last one. Has anyone had any experience? Any idea on what I should offer?
Thanks so much for any advice!The account I settled with them was 6 years from DoFD. They told me they couldn't do a pay for delete.
When the account went negative I owed $130, by the time I settled they claimed I owed $5,380 (interest and late fees). I settled for $36.21, and the account was removed 60 day's after payment.
I felt ridiculous negotiating but the rep was good about it... he told me the computer decides yes or no, he has to enter any amount offered... I started at $10 and went up $1 at a time until $30 then went to $0.50 each time to $35... at which point I decided to see how long it would take to get a negative attitude from the rep and increased my offer by One Cent until the computer said yes.... 5 hours on the phone with a very polite young man to settle the debt.
Lmao that guy probably hung up after your call and quit his job!
Or fired for being on 1 call that long and lost $ for Target. Didnt even pay is wages for the 5hrs either
At minimum a write up. Most call centers require call average to stay under 3 minutes. That rep had some splainin to do.
@gdtobefree wrote:My concern with EE is it updates every month. If they remove it will it come back when they update it the next month?
What is your DoFD?
Oct 2013
@gdtobefree wrote:Oct 2013
You're not that far off. The decision on which route to take is your's to make. Good luck. Hope to read of your success!
@gdtobefree wrote:My concern with EE is it updates every month. If they remove it will it come back when they update it the next month?
No it won't - it'll no longer be part of your report so there's nothing to update. EE removes it the same as if it had naturally aged away. Once it's gone, that's it.