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Re: How settle with Credit Agency


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Posted by Desperado (151.197.50.246) on December 11, 2003 at 20:53:12:

Greetings to All,

Here are my deliquent accounts and amount:

1) 2,500.00 to Amex. 2 yrs and still with AMEX
2) 2,500.00 to Provedian. 2 yrs and have been bounced around
3) 1,200.00 to DEll. 2 yrs and with collection agency
4) 800.00 to a phone company tha thas been bought out.
5) 400.00 to Bally's

I finally have gotten a stable and job and I want to clear out my credit file and make a settlement with the creditor for least amount possible. Here are my questions:

1) which account and do I have the best chance to settling with least amount? I am concerned about AMEX, DELL, and Providian

2) If I settle with them for a reasonable amount, what language should I ask the letter included, like "paid current", "paid" etc.

3) Would a lawyer be a help?

make thanks in advance and have a happy holidays.





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