One Last Newbie Question / Easy Help

[Anonymous]

Ok, today I got a notice from Credit Protection Agency trying to collect a debt.

It's just $76, is not on my credit reports anywhere, is recent.

It is legit, and I will gladly pay it.

What is an easy way to go about making sure that they do not report it if I pay?

PFD doesn't really work since they haven't reported it yet, and have nothing to delete.

Do I just pay and hope to God they don't report because then I will have lost all bargaining power?

Is there any way I can call them with a check and say, please fax a document to this number saying if I pay today you will not report it ever?  That seems unrealistic.

Any advice?

I love you guys!

[Anonymous]

I believe with most collection agencies, you have 30 days to dispute or pay before it hits your credit report. I would call and get their guidelines, and have them write/fax you a letter stating that if it paid in full by a certain date, it will not be reported!!!

[Anonymous]

I would first want proof that I did owe it. I would DV them by mail CMRRR. Never trust any CA

[Anonymous]

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HappyDays wrote:

I would first want proof that I did owe it. I would DV them by mail CMRRR. Never trust any CA

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I think she said it was legit.........I suppose she knows she owes it!!!!