GoodWill Request

Go to www.annualcreditreport.com, pull all three bureau reports and
check each website on how to create a dispute. Please note, this is a
one time free service brought into law a few years back and once you
exit the website on each bureau you will not be able to re-access it
again without paying a fee.

You let the debt go into charge off status so it's possible the most
they will do is mark the trade line "Paid in full" but they probably
will not completely pull it off.

First Premier, need I say, offers credit to those who have or have had
less than par credit. These types of companies do not assist with
trying to better your credit in any way. A lot of times they charge
large startup costs and interest rates, give you very small credit
limits and don't budge after they have you as a customer.

If you "cross them" in any way, by, for example, not paying at least
your minimum payment on time no matter what your circumstance is, than
this is another chance for them to make more money off you.

Next time, try to negotiate with the company to remove a negative mark
BEFORE you pay off your debt. If you don't owe anything, they have
absolutely no incentive to offer you any good will.

The problem is perhaps in this part:

"after moving I wasn't able to get my statements"



Nowhere does it say that your debt or bills magically vanish if you
can't get your statements.


I mean... you knew you were moving, so it is your responsibility to
get your mail forwarded and to investigate missing bills before you
get hit with fees.



As for the "I paid off every penny so remove the marks" idea...
That's not how credit reporting works.


yes you want the marks removed because it hurts your credit report.
But everyone wants that. We all want pretty credit reports so that we
can do whatever we want.


So why can't the rest of us get to write our own credit history too?


I'll tell you why - because doing so would make credit reporting
useless. Why bother reporting when everyone just edits the truth and
gives themselves scores of 1000?



this is why credit reporting need not change
especially in cases where people ignore their debts simply because
they didn't see a bill.

Ariana C.,

I won't lay a sermon on you but I will suggest that you set a calendar
up to reflect important dates. In the case of due bills leave yourself
enough time for mail, funds transfers and the like.

The next thing I would suggest is for you to apply for a Prepaid Card.
Through judicious use you might be able to put some shine back on your
credit worthiness moving forward.

As for the past. Treat it as water under the bridge, a learning
experience and move on.

BillR.

Don't they have a website you could have gone on to pay your bill that
you KNEW was due. Or maybe a payment over the phone? You knew your
bills were due, even if for whatever reason you weren't getting your
statements (someone was).

The other posters are right, what it boils down to is that the
payments weren't made. You don't have a clean credit score.

but you did stop paying. It is an accurate, factual reflection of how
you handled your credit when you were in a bind.

And yes it's inhibited you from obtaining Prime credit cards - you
don't have Prime credit!

Now, can SOMEONE explain to me why a creditor somewhere in the not so
distant future should not see that information because you asked to
have it removed?

This isn't about "Having a Heart" it's about learning from your
mistakes and accepting the consequences of your choices.

for a lot more than that.