Not past SOL, what to do?

[delayedinsanity]

Hello all, it's been awhile since I've posted here. Last time I was on here my credit was fantastic, and then my wife and I went through some serious financial hardships and now I've got about the worst credit you could have, thanks to a major delinquency, a minor delinquency and some late payments.

I have a small debt with a utility for $65 that wasn't forwarded to me after I moved, which is no excuse, but I could have easily paid it had I realized I was forgetting it. Now it's in collections. I called the gas company and they said I could pay them and they would report it paid to the CO. I called the CO and asked if I could have it removed if I paid in full, and they gave me the "we only report accuracte information" line. It's nowhere near SOL as this is a recent debt.

So despite having a small grasp on PFD and GW I am still at a loss as to exact procedure. Do I try and PFD the CO a few times before just paying it, or do I just pay it and then start sending regular GW letters? Do I pay the gas company and GW them instead? The line is reported by the CO, not the utility. 

[guiness56]

Did you ask the OC if they would be willing to pull back the acccount from the CA?

[trying_to_B_good]

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@guiness56 wrote:

Did you ask the OC if they would be willing to pull back the acccount from the CA?

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This is a great idea! I don't know why i've never even thought about that!  But OP yes pay the debt if they don't withdraw it, and send them GW letters...but first try calling a few times....maybe even ask for the lead manager or something....takes a few tries, and then again, some companies just won't budge.

Hope the best for ya! GOOD LUCK!

AUBURN

[delayedinsanity]

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@guiness56 wrote:

Did you ask the OC if they would be willing to pull back the acccount from the CA?

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Just attempted this via email and regular mail. Will update if anything happens.

[rckstrscott]

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@delayedinsanity wrote:

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@guiness56 wrote:

Did you ask the OC if they would be willing to pull back the acccount from the CA?

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Just attempted this via email and regular mail. Will update if anything happens.

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In the future, usually these kinds of things are easier to negotiate and do on the phone

-scott

[delayedinsanity]

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@rckstrscott wrote:

In the future, usually these kinds of things are easier to negotiate and do on the phone

-scott

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Which is still something I can do, but I wanted to have something in writing. I have already been on the phone with them and they said that I can pay them directly, but at the time I didn't think of asking them if they would pull the account from the CA  upon receipt.