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Financial Companies and Marketing Agencies may advertise
on our credit portal and obtain targeted consumer credit traffic, quality leads and sales. In addition to standard text link and banner advertising, we also offer content matching, search and email marketing, plus many other ways to add URLs to our consumer credit content.
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Auto Loan: Get free quotes and apply for a new or used auto loan or for auto refinancing.
Credit Card: Search for secured and unsecured credit card applications and apply online. Applications for all types of cards ranging from an instant approval bad credit card to no deposit cards, including platinum credit card rewards.
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Debt Counseling: Get your expenses under control with credit counseling, an unsecured debt consolidation loan, debt management or negotiate debt settlement.
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Chargeoff Debt Collectors - Did you know, you can still be expected to repay chargeoffs? That's why it's better to
negotiate debt settlements with creditors instead of simply charging off debt.
A debt chargeoff is not cancelled by your creditor. Your creditor will add a negative entry (charge-off) to your credit report and continue to attempt to collect on the debt, and you are still responsible for repaying. But if you get the creditor to agree; in writing, to a debt settlement offer, then you can get off the hook.
Typically
a credit card chargedoff
occurs after 180 days of no; or less than, minimum payments. The chargeoff will remain on your credit report for seven years from the date it was chargedoff. If you pay the debt, it will be updated with a status of "Chargeoff Paid" or "Chargeoff Settled." The only way to remove a chargeoff from your credit report is to wait the seven year period or negotiate with the creditor to have it removed after you pay the account in full. Other than waiting for time to remove a chargeoff from your credit report, there is a way to get these removed.
Chargeoffs are often passed to a debt collector, unfortunately a debt collection agency is the last entity you want to negotiate with. The original creditor who reported the chargeoff is the one to deal with and the only one who can remove the credit report entry. Tell your creditor that instead of getting nothing, you will be willing to negotiate a much lower payoff amount in return for the removal of the negative credit report entry.
Before you contact the creditor, first line up your ducks. You'll need to figure out how much you're able to pay and when. The more you can pay and the quicker you can pay it, the more negotiating power you'll have.
Be sure to speak only to someone who has the authority to remove the chargeoff from your credit report. Let the creditor know you're interested in paying the account and would like to make payment arrangements in exchange for having the chargeoff status removed from your credit report. Speak politely and professionally. Avoid blaming the creditor or giving your life story. Keep it short and to the point. Best case, the creditor will agree to remove the chargeoff from your credit report.
Credit card companies are contractually bound to report credit information to the credit bureaus, so it can be difficult to get a creditor to agree to remove the chargeoff from your credit report. Even so, some cardholders have been successful in making a pay for delete agreement. If you can't get the creditor to agree to remove the chargeoff completely, try for something less negative like 'Closed'.
Once you are ready to make an official agreement, get the settlement terms in writing. We offer a
sample debt settlement agreement letter you can modify with your personal information. Another option is to have the creditor fax you a copy of the agreement on their own company letterhead.
Never send in payment until you receive the agreement in writing. Be sure to followup later to ensure the creditor remove the chargeoff from your credit report.
If you don't think you can handle the
free debt
settlement negotiation yourself with complete confidence; or you simply don't want the harassment, you could let a professional debt settlement company negotiate on your behalf. You might even get a better settlement, too.
Whichever option you choose, just remember that some lenders will not give you new credit or loan approval until you've paidoff past debt.
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