can i repair my credit w/out involving my husband?

Where is all this spam mail coming?There is so much spam mail here on the forums I thought it was people posting and when I checked it was spam mail everywhere and then they posted on one of Mike's forums.Now this is what should be considered spam mail,what is going on here?

Has anyone dealt with Globalvantege? They won't tell me anything about the co. when I call-- they are the second coll acy to handle my AMEX debt-- tried to settle with the first, NCI, but they sent my check back when I noted it as "full and final settlement", and refused to agree that I had no further responsibility to them or AMEX.

Hi all, I have been having an ongoing issue with this agency. It started with my AmEx account being misused. Someone somehow used my account in PA while I was here in Texas. If I'd know of this earlier I am sure it could have been settled. But because this was a card I used only twice (at most), I'd forgotten it existed. Also, the statements were going to my old residence, another reason I had no idea. When I moved back to my home city, I was given a ton of old mail and noticed the charge. By this time, the account had been sent to Collectcorp collections.

I have contacted my creditors and they are willing to work with me and put me on a plan i can afford. They are requiring that I set up check by phone for the first 3 payments before I will be able to make payments myself. Is this an OK plan, or should I push for sending the payments in myself. Additionally, what should I ask for in this negotiation, they have dropped my interest rates to .99% and are accepting very small payments for 12 months.

a collection agency that has taken over an account from a credit card will not work with me in any way. I owe them $4300. They have demanded at least 10 percent down and then $300 a month after that. I have offered to pay about $100 a month because that is all I can afford to work things out with other creditors. When I spoke with the original creditor, they said that once it went out to a collection agency they couldn't do anything. Who should i try to work with in this situation?

I want to cancel these credit cards that must still be open. How do I do this. [color=red][size=2][Email removed as per forum rules-Mike][/size][/color]

here is something i found i wanted to share about Osi collection services inc: OSI Collection Services, a company owned and operated by Outsourcing Solutions Inc (OSI Collections) that just emerged from Chapter 11 bankrupcy but doesnt act like it because they continue to threaten wage garnishment from innocent people in order to get money. September 20, 2004 -- Have you recently been harassed by Osi collection services Collection agency?

Before New Orleans overcomes the strain that Katrina caused, another threat is knocking there. Hurricane Rita has already collected enormous strength and moving towards southern coast of Florida. Forecasters are saying that if the storm follows the predicted route, it will batter west of New Orleans before Friday evening. Even if it does bypass New Orleans, heavy rainstorm can cause huge flood there. The tide has started to surge additional four to six feet in the Florida Keys. Residents of Louisiana, Texas, Key West and other coastal towns have been asked for voluntary evacuation.

I had a talk with one of my friends and he was narrating the experience he had with one of the credit bureaus. He pulled his credit report from the three credit reporting agencies, Equifax, Experian, and TransUnion online. At the end of the day, he again ordered for a credit report from TransUnion for some reasons. He was amazed to see that when he ordered for the TransUnion report online from Myficoscores, the score displayed was 687 and few days back when he got a free copy of his report from the same agency(TU), the scores read as 654…..