Best way to resolve 2 collections on credit report

[Anonymous]

I finaly went ahead and got my credit reports and I currently have 2, very small, collections being reported. One from ANFI for Dish Network for $148 and one for Credit Collection Services for Progressive for $87.

I have absolutely no problem paying these both in full but I would like to know the best way to go about it with the most positive end result. Do I contact Dish Network and Progressive directly or do I now need to work with the collection agencies? It also looks like this PFD thing is an option where I offer to pay it if they will remove it. Can that be done over the phone or any other faster way than sending a letter in the mail?

I want to take care of both accounts ASAP and have the most benefit from them. Out of my entire report these are the biggest negative drawback.

Thanks!

[Anonymous]

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@Anonymous wrote:

I finaly went ahead and got my credit reports and I currently have 2, very small, collections being reported. One from ANFI for Dish Network for $148 and one for Credit Collection Services for Progressive for $87.

I have absolutely no problem paying these both in full but I would like to know the best way to go about it with the most positive end result. Do I contact Dish Network and Progressive directly or do I now need to work with the collection agencies? It also looks like this PFD thing is an option where I offer to pay it if they will remove it. Can that be done over the phone or any other faster way than sending a letter in the mail?

I want to take care of both accounts ASAP and have the most benefit from them. Out of my entire report these are the biggest negative drawback.

Thanks!

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How long has AFNI had the Dish account? How old is it? If not too old, this one may be easy to get rid of.

[Anonymous]

The AFNI account was opened 1/14 and last reported on 2/14. The CCS was opened on 3/16 and last reported 12/16.

[Anonymous]

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@Anonymous wrote:
The AFNI account was opened 1/14 and last reported on 2/14. The CCS was opened on 3/16 and last reported 12/16.

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Have you recieved any dunning notice from AFNI? or recent bills?

[Anonymous]

I'm sure I have but I don't have any on hand.

I'm not disputing either debt, I just want to pay them off with maximum effectiveness, preferably having them removed completely if at all possible.

[Anonymous]

To the top!

How should I go about trying to get these removed entirely from my credit report?