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Why Chat -- Please Help!


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Posted by Betty (200.164.18.80) on January 22, 2003 at 11:04:24:

I posted yesterday and need help urgently. My First USA account has been charged-off and is already showing on my credit.

My husband just called me and said he was denied credit for a car yesterday because my charge off is also showing on his CC Report. How can that be if we have separate credit accounts?

I want to contact First USA ant tske care of the problem. Should I offer them to pay the $2,400 balance and get back with the regular payments, or should I offer to settle? What would be my best option? I need to clean up my credit right away
but am afraid of being taken by the CC.

I read this posted by someone:

'If you wish to settle make sure it reads paid as agreed and has nothing about a settlement in the tradeline. Also, make sure they put something in writing stating that the ofer will satisfy the debt in full and it will not be resold'

Is this true?

Please advise!

Betty




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