I have a few late payments from summer 2011 on my card. The card is now closed and has been since then. I was very far behind payments due to some money issues, and I entered an agreement with them to pay 175 a month until the balance is paid off. I have enough money now where I could pay the entire balance. I've spoken to them on the phone, and they're unwilling to do a goodwill and remove any late payments. I have disputed (In Jan '13) 2 late payments though, because they occured months after I entered the agreement and was "caught up".
Question, should I just pay it off and take the hit from the summer '11 late payments? Should I ask them over the phone to do a payment for deletion? Should I wait until the dispute is over before sending them a PFD letter?
Thanks.
bump, anyone?
Continue making those payments and pay it off. Send GW's, maybe once a month. Sometimes they take a few to get results.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
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Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
