So i have sent afni a DV & they validated last month, then tryed going to (pfd) settlement got the we don't offer payment for deletion blah, blah, blah, but they offered to settle @ lower amount but just said it would be listed as paid but not deleted. I disputed this with cra's, got Transunion & equifax to delete by some strange luck but experian keeps on verifing account. this account is for $194 & just made sol for IL last month so they can't sue me for it. I just don't see why they won't wanna get some money out of me in exchange for deletion? my back is against the wall & I feel that I have used up all my ace's on this one. What is my next plan of attack? this account was reported to experian may of this year so its new & very damaging on credit report. Do i write them a very nice GW letter & try to make it personal stating I need this off my credit report cause I need to buy a house in 2013 for my wife & 4 kids, blah, blah, blah, lol. Any suggestions would be greatly appreciated as I don't know what else to do here? thanks ron. 
Why not try and kill them with kindness? Tell them how you really, really want to pay them, and how you you need the removal. Put some sugar on it, it's the holdays so throw them some holiday cheer. Who knows? Could work. I believe in Christmas miracles, don't you?
Starting Score: 504
Current Score: EQ FICO 819, TU08 778, EX "Who Knows?" Quizzle 756
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