I have a $20 balance showing on a loan I took out several years ago. About a year ago, I attempted to dispute this, but was unsuccessful (it was paid...unfortunately, I just don't have proof anymore).
I wrote them a PFD letter offering payment in full to have this deleted and received a response noting that they would mark it as paid.....but would not alter its status as a charge off.
This creditor has pissed me off once again and I hate to even give them $20 if its not going to make an impact on my credit scores or report.
Can anyone verify if this would make a difference? Is it worth it to send them the $20 or should I just tell them to F'off?
Thanks in advance for any tips.