Hi all you credit gurus,
I have been reading these forums and am attempting to clean up credit - sending PFDs and GWs galore. I have a question I hope you guys can help with.
I have one collection I'm not sure what to do with. I have a payment plan with them and have 3 payments left of $340 each. So I owe about $1100 out of an original $5,000. I'd like to get it off my report rather than have it marked paid in full in three months. I finally have the money to pay it all at once. Is it appropriate to send a PFD now? I am already paying so have acknowledged the debt. It doesn't fall off my report until 2011. Should I PFD the OC - they report as $0 balance - charged off. Or should I PFD the CA?
What should I say? I now dispute this debt? Or just be honest and say they can have their money now instead of 3months from now if they delete. Doesn't seem likely. Any thoughts?
