No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Welcome to the forums,
What state do you live in?
And what is the DoFD on the Chase CC?
Note..DoFD is the first missed payment on an account, that was never brought back to current again.
Equifax CR will show the actual DoFD.
You appear to have a legal issue of whether your agent, the settlement agency, fulfilled their obligation to forward your payment to the creditor. The creditor says they did not.
I would presume that your contract with the settlement agency made them responsible for their actions. Why is the settlement company saying they are "not responsible?"
I would consult an attorney. You appear to have an action against the settlement company. I would presume that if you show good faith reliance on their supposed payment, you might have some success with the creditor in reaching some agreement both for a reduced settlement and CR deletion of the collection.
I'm in Ohio. They are saying that it was my responsibility to see everything through which i guess they have a point. I still feel slighted and frustrated about the situation.
I guess I'll look to settle but only if they will remove it from my CR.
Thanks!