SPIEGAL

[newmom24]

Has anyone heard of The Law offices of Mitchell and Kay. I have a collection of 642.00 from Spiegal from them. They sent a settlement letter of 257.01. This account has not been updated on my account since 12/05. It's as if it dropped off their records. Should I pay the 257.01 or wait for it to fall off. At this point I don't think it will increase my score if I pay it because there is no payment history for the past 1 1/2 yrs +. Any advice?

[Anonymous]

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newmom24 wrote:

Has anyone heard of The Law offices of Mitchell and Kay. I have a collection of 642.00 from Spiegal from them. They sent a settlement letter of 257.01. This account has not been updated on my account since 12/05. It's as if it dropped off their records. Should I pay the 257.01 or wait for it to fall off. At this point I don't think it will increase my score if I pay it because there is no payment history for the past 1 1/2 yrs +. Any advice?

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what is your SOL??    what is your DOFD or drop off date on your CR?

[newmom24]

date of last delinquency 3/03

[Anonymous]

If you can talk them into a pay for delete you may want to, maybe even if you can't.  Its a good settle but someone else with more knowledge should be along soon

[Anonymous]

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newmom24 wrote:

Has anyone heard of The Law offices of Mitchell and Kay. I have a collection of 642.00 from Spiegal from them. They sent a settlement letter of 257.01. This account has not been updated on my account since 12/05. It's as if it dropped off their records. Should I pay the 257.01 or wait for it to fall off. At this point I don't think it will increase my score if I pay it because there is no payment history for the past 1 1/2 yrs +. Any advice?

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what state are you in. If they want to settle for so much less you might be close or past SOL.