hey all. thanks so much for all of your posts so far. I've been reading the forums voraciously. I have a ques about the collection agencies ability to completely remove negative information from your credit reports.
If I send them a letter explaining that I will pay the debt in full (or settlement) in exchange for full deletion of All references regarding this acct from my credit files, can they do this? Do they have this discretion? They are all so evasive, and some flat out say they cannot do this. Is that true?
Thanks so much!!