Last week I called to pay a judgment of $724. The law office said they couldn't accept payment since GE recalled the debt. So I had the $724 judgment showing and the $1044 for the recalled debt, same account though. Called GE, account was being collected by ARSI. I offered half, $522.35. He countered with 60%. I told him I wasn't able to do that at this time. So, he said if I send in proof of hardship, they will review it. I sent in $4000 worth of recent medical bills and within 30 minutes had the agreement to settle for 50%! I am so excited, especially since it states that it satisties the judgment AND the collection account both! Also, went ahead and paid the other judgment on my husbands report. The only thing on his EX and EQ reports now will be an auto loan paid on time for two years, a closed auto loan from 2000, never late, and the new secured card we just got with Capital One! Now to start working on MY reports, they are not as good since my name was on all of our daughters medical bills. Can't wait to see how much (hopefully it WILL) improve his scores!
