Welcome to CreditForums.org,, an online community for people interested in improving their lifestyle by improving and managing their credit. As a registered member (free!), you will be able to:
Post questions for other members and answer questions from other members
Communicate privately with other members
Establish your reputation among the community
See less ads
Registration is fast, simple and absolutely free so please, join our free community today! If you have any problems with the registration process or your account login, please contact us.
I have tried to keep up with credit card payments; however, I have 1 charge-off and 1 collection forwhich I am seeking removal.I called US Bank to ask if they would erase my charge-off if I paid the balance in full. I told them that prior to an emergency I had honored my commitment to US Bank, but that I had a family emergency that required me to give up my career and relocate overnight. I was
Why dont people ever finish sentences on this site. First off and most important when negotiating anything with a creditor alway do it by mail and certified. They can tell you one thing on the phone but after you pay if you don't have it in writing they can just say they never said that. So always have a hard copy of your agreement.
Yes I am a general contractor and have run into problems trying to get paid after work is done because I do not have a written contract. If you have it in writing it is undisputable.
Credit Card Charge-Off Negotiation 
