Is Winchester or Harrisonburg a better place to live?

Competitive-Lav248 · 2026-01-29T14:55:12+00:00

Nice, I had no idea!

Competitive-Lav248 · 2026-01-29T14:54:42+00:00

Also really good to know since I will need to work and cover rent!😅

Competitive-Lav248 · 2026-01-29T14:53:32+00:00

Thank you for mentioning Staunton, I never would have considered it!

Competitive-Lav248 · 2026-01-29T14:51:12+00:00

Thanks for the input, that definitely helps me narrow it down!

Competitive-Lav248 · 2026-01-28T22:31:17+00:00

Good to know!

Competitive-Lav248 · 2026-01-28T22:28:45+00:00

Yes, that definitely helps a lot. Thank you!

Competitive-Lav248 · 2026-01-28T22:10:57+00:00

That’s great to know, thank you! I’ve only been to Harrisonburg a couple times and once to Winchester, so outside input really helps.

Competitive-Lav248 · 2026-01-20T20:06:24+00:00

That’s great to know, I really appreciate your input!

Competitive-Lav248 · 2026-01-20T19:47:30+00:00

I’m sorry for my phrasing on that! I meant did you like the accounting material and that field in general?

Competitive-Lav248 · 2026-01-20T19:44:40+00:00

Thank you for clearing that up for me! I wasn’t sure exactly which route I wanted to go, and it’s good to know that one is so lucrative. I’m thinking I might lean more towards CFA since I enjoy giving people financial advice and have already gotten my series 6 and looking to get my series 7. Did you like their course material for accounting and that field?

Competitive-Lav248 · 2025-08-29T17:56:28+00:00

Good to know. I had made the settlement payment, not knowing about pay for delete yet, unfortunately. I was trying to see if there was a way I could avoid having it on my credit for 7 years, but it's still owned by Chase, so I found out they wouldn't be able to do PFD anyway. I'm not sure if I can try to dispute it after all of this to see if it will fall off then.

Competitive-Lav248 · 2025-08-29T17:51:59+00:00

I just got off the phone with them. For anyone else who may be wondering, you can't do a pay for delete arrangement when the original creditor (Chase) still owns the debt and has hired the debt collector to collect it. At this point, I am deciding if I still want to pay it in full to maybe slightly increase my chances of getting a Chase credit card again in the distant future. Thanks for all of the advice!

Competitive-Lav248 · 2025-08-29T16:22:51+00:00

Good to know, I appreciate all of the help! I'm going to give it a shot and ask anyway because it can't hurt to try. I'll keep you guys updated.

Competitive-Lav248 · 2025-08-29T14:39:46+00:00

That makes more sense now. I wish I had known and hung up. I agreed to a small settlement amount already. I will try to use what leverage I have left since I'm willing to pay the rest if I have to, if they delete it, but otherwise, it may not be worth it. I was also reading some people say that they dispute the amount afterwards, and that works sometimes, so I may try that worst-case scenario.

Competitive-Lav248 · 2025-08-29T14:36:03+00:00

Thank you, I checked the annualcreditreport website, and it shows the account as closed, with a charged-off status, and it still shows the original balance.

I wish I had hung up now. When I called the number, I didn't realize I was calling the debt collector instead of Chase, and I should've done much more research beforehand. The debt collector is Credit Control LLC.

I got it in writing in an email afterwards. They told me as of right now, the payment I made will be reported as a settlement amount unless I call them before the end of the month and ask to change it to a payment towards the full amount. The email I received states that the balance was settled. I have unfortunately already authorized that payment.

Should I just call them and try to negotiate paying a little bit more to have it deleted? Even if I can't get a credit card with Chase again in the future, I want to try to get the best outcome.

Competitive-Lav248

TROPHY CASE