Collection Account should I?

[Pastryprincessnails]

I have a collection account with a credit union for $359 I called the collection agent and requested a pfd..they advised that they can do it with full payment but are unwilling to put it in writing until the payment is received. I know I should pay it but feel skeptical if it's still gonna be on my credit report? Any advice? The collection agent isn't showing on my credit report just the original creditor

[Anonymous]

I'd go down to the CU and pay it but get the letter then and there.

[Pastryprincessnails]

It's about 3 hours from my house...

[Anonymous]

If it were me (and I know a three hour drive is a lot) I'd drive to make that happen. After learning what I have about the damage it can do for 7 years, I'd probably kick myself in the butt for not doing it. I personally was burned by CA (Midland) that promised to remove a collection upon payment. But I didn't get it in writing and they reported it as "Closed - Paid", but never removed. I lodged several complaints against them asking them to review phone records, but was never able to win the battle. They said under no circumstances would a rep have ever said that and I honestly had nothing to prove otherwise. Lesson learned.

[Anonymous]

I think they are trying to set you up to be played. What do they lose by sending you a letter that says they will delete if you pay? If they offer PFD which in this case they do, i will request the person sends an email. you can actually offer to draft it for them if they are being lazy about it. 

If they dont want to do it over email which is very easy, i doubt if they will do it in branch. 

[Anonymous]

Do not agree to anything verbally. I fell for it did it. Then when I called the CA they said nobody would have ever told you that because our policy doesn't allow it. They outright lied.

[Pastryprincessnails]

Ok I think I'm gonna hold tight the collection agency isn't showing on my credit would it hurt to call the credit union? I did intend on writing a letter for some reason they started calling me the debt is from 2013 so I have some time before it would come off..

[Anonymous]

Why would you call the CA if their not reporting to the CRA's?

[Pastryprincessnails]

They called me and have been calling me so I thought paying it with them would somehow get it off silly me should I call the credit union directly?

[Anonymous]

I think your next steps to be get the CU call the debt back in house and then you can deal with them. CAs can be very difficult to deal with