other companies will not respond which means that they will need to pull from your credit report.i'd then suggest getting some sort of positive credit going. go down to a local bank and get a secured cc. make sure that it will report to all 3 bureaus. if you put up say $500 on the card as collateral, do not go over $250 on it.in about 2 months, go back to the site (annualcreditreport.com) and pull a different report and check to see what has fallen off, what has been settled, etc.rinse and repeat!

But I do NOO.I hit them every 3 months with Post Card and Greeting Card that alternates.

Andy gave you great advice about the post cards, especially for high volume mailings.

At least he sent me a small Welcoming card last week.

I'm thinking of just keeping it as a free internship for now considering his lack of experience, he doesn't have his own reliable transportation to and from work and he has a bedtime curfew enforced by his beautiful mother so overtime is out of the questionthoughts?

Not saying that you are a theif because you did, and now you have a BMW that you did not work for and now you paid off all of your credit cards, because you did not make your house payment, and no housing expense at all, and you feel justified because, maybe you are just a HS graduated and Obama and Acorn will find a way for you to avoid tax and take advantage of Americans that actually work 60-80 hrs a week and never ripped off the system and...

Josh, They live off sales that are put on credit cards.

This way, they are not just taking your word for it.Remember, the negotiator is someone that has been working collections for a credit card co for the last few years, if they have that much experience.

Thanks guys, your on my Xmas card list!

Currently we are using a Home Depot Commercial Revolving Charge card for the majority of our purchases.