3 charge offs - can pay but need advice

[cam72]

I had a CO with Macy's I would recommend calling them during the week and say you have an old account that you would like to settle with them. As far as I know they will take the money. send you a letter stating that the account  is paid in full and once you have the letter you can then contact the CRA's and dispute the entry to your reports that the collection agency is reporting If it is not already removed.

Macys will still report that you paid it off. More than likely they will offer you a new account.

[RobertEG]

IMHO, an OC has no authority to ever require a CA to delete their prior, proper reporting to a CRA of their collectiion reporting, even if the OC accepts payment of the debt.

OC reporting is separate from CA reporting. 

[sbsgirl]

I understand that an OC has no authority to require a CA to delete.  There are no CA's reporting on my CR right now.    I am trying to prevent them from reporting by getting these debts taken care of.

I wonder if the OC updating to a paid charge off will cause my score to drop back down. 

[sbsgirl]

to cam72 -  I did that.  I called during the week.  The lady refused to take payment from me.  She said there was no way to pull it back from the CA and that there was no one else there I could talk to about getting that done.  She told me Macy's still owns it, but they won't take my payment.