Starting Score: TU: 489 EQ: 471 12/8/2012
Make sure validate the debt first. Then contact the original creditor and see if they will take payment from u. If so pay I with the OC in exchange for them to pull it from collections and your report. If the OC will not accept payment u can settle it with the collections but make sure they agree to remove it from your report. If they state over the phone that they can not legally remove it (which is a lie) then send them a letter negotiating PFD. Wait for the response before paying. They want your money so they will generally agree. The main goal is getting it removed from your report.
I would send them a DV first, then if they verify, I'd send a PFD starting around 25% and see if they counter.
Starting Score: 504
Current Score: EQ FICO 819, TU08 778, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
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