John
Louisville,#2Consumer Comment
Sun, November 04, 2007
They have been reporting to the credit bureaus that I have been 30 days or 60 days late for the last 40 months -------------- Aspire is a world class predator that takes advantage of lower-income people with bad credit...the type of people who cannot fight back. This is why Aspire can operate the way they do. The Bush's and the Rockefeller's do not get Aspire Visa's....If they did you could be sure that they wouldn't tolerate what you have been through and this company would be out of business. It's a shame that you discovered what they were doing 40 months after the fact. Bad credit lasts approximately two years after a negative event, as your credit score is based upon what has happened in the past 24 months. Advise: Don't bother with calling Aspire...it's pointless. Keep all communication with them in writing and sent via Registered Mail with Return Receipt. This will cost $3 each time. Send a letter to Aspire via Registered Mail with Return Receipt. Make a photocopy of the registered mail certificate and enclose it with the letter. In the letter, state: I am officially requesting that this account be closed. This request is being sent via Registered Mail with Return Receipt, so I will be able to officially confirm receipt. Please send confirmation of payoff balance and the amount due. If they do not send you a response within 30 days, file a complaint with the Attorney General in Georgia, where Aspire is located in. Photocopy the complaint and mail to Aspire via Registered Mail with Return Receipt. Also file complaints with the Columbus, Geogia BBB....The bank that operates Aspire, Columbus Bank and Trust, is in Columbus. If you just keep communicating with them on the phone like you've been doing, this cycle of late fees and over-the-limit fees will continue until the day you die...and you'll credit will continue to be damaged. I know I sound like a broken record but keep all communication with them via Registered Mail with Return Receipt and save all communication. Important: These people have all sorts of tricks up their sleeves. If they call you stating that they'll let you close out the account if you wire them, say $700 within two hours, don't do it! This is a scam. GET ANY SETTLEMENT TERMS IN WRITING. DO NOT accept any settlement offers over the phone! DO NOT pay them with an electronic check by giving them your bank transit and checking accout #, if you do they may raid your checking account.