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re: Just got dealt a low hand (wife's old CC from 5 years ago)

Posted on 10/5/15 at 1:37 pm to
Posted by Bob Sacamano
Houston, TX
Member since Oct 2008
5277 posts
Posted on 10/5/15 at 1:37 pm to
Pay it but tell them you want to pay for removal and get it in writing.

If they tell you they can't they are lying. Just keep trying until you reach someone who will agree to do it.

Once paid and removed from credit report, it'll look like it never happened.

ETA: Do not deal with the collections agency. Go straight to the cc company.
This post was edited on 10/5/15 at 1:39 pm
Posted by MMauler
Member since Jun 2013
19216 posts
Posted on 10/5/15 at 2:42 pm to
quote:

Pay it but tell them you want to pay for removal and get it in writing.



WRONG!

If you even start negotiating it goes back on your credit history for 7 years.

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