Im no expert, but I have a collection account that does the same thing every month. I asked the same question and was told there is nothing you can do but try to negotiate a PFD with them. It took me 13 months to get them to agree to a PFD and my credit score suffered all 13 months. I managed my score to raise some, but that was definitely holding me back. I was told no on several occasions but I kept trying. I had no success sending letter to the CA, I had to email the Assistant Vice President and initially he told me no, but I kept at em' and he finally agreed.
My theory is they are trying to force you into paying them to stop the negative reporting. But in your case you are paying them so I don't understand that. Experts please chime in.
