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Remember:
1. Wait until the 90-120 day late mark before you talk to the credit card company. Until then do not talk to them. Ignore them. When they call you at 30 or even 60 days late talk to them in your most N I G G A Gangsta voice. I mean really make it good. This sets them back a bit. Only to give up. No one wants to talk to a stupid negro.
2.Tell them that the other banks you have talked to are willing to work with you. Tell them they offered you a better amount. and you only have enough to pay one bank. Create a bidding war.
3. Tell them that you need it in writing that they will wipe this off your credit record. No Charge off, no 90 days late, no settled for less the amount notes on your credit record. Tell them you want it to say "paid as agreed" and "Account closed by Customer" Simple as that. Get it in writing.
4. Tell them you lost your job. You arent working, your home is in process of foreclosure. You have some money and want to take care of this while you still can. Always talk to a manager. When they give you $$$ offers, talk them down lower. Do not make payments. Make one lump sum payment and be done.
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