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Credit One

Creditor Information / Credit One

Telephone877-825-3242 or 888-729-6274
Payment Percentage of balance3% Please see notes below
Payment Minimum Amount$15.00
Charge Free PeriodN/A
Acct Required to be Open9 Mo
CSP/Hardship programsNo
DMP Interest Rate9.90%
Waive late feesYes
Waive over limit feesYes
DMP benefits beginMay take 1-3 billing cycles after proposal acceptance
Re-AgeYes, automatically after third accepted DMP payment, if eligible
RestructureNo
RecallNo
Due Date ChangesYes, by client and account must be current
Charge Off Period180 Days
Drop Policy1 missed cycle
Internal hardship/ Promotion PolicyNo info
Misc. InformationAccts more than 60 days delinquent are not eligible for DMP. Many policies vary from 1 rep to the next. If something doesn’t seem right call the creditor back to inquire further. Because policies seem to vary, here are guidelines used by other agencies (suggestions only!) Payment percentage 2.35%; Payment minimum $25.00 Acct required to be open: if the account is greater than 29 days past due, the account has to be open more than 9 months. Currnt account can be any age Waive late fees: not waived. Fees will be assessed on late payments or when the account is past due and not brought current.

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