I received a collection letter from NCO Financial Systems containing the following information:
Creditor: AT&T Mobility
Regarding: Past Due Balance
Collection Charges: $96.43
Total Balance: $632.18
I want to avoid having this reported.
1. Should I pay the total balance in full since they have not reported to any credit bureaus yet?
2. Should I send a check, pay online, or any other suggestion for form payment?
3. How do I ensure that this does not show up on any of my credit reports both from AT&T and NCO?
Send them a pay for not reporting negotiation letter where you agree to pay by XX/XX/2009 if they agree to not report anything to any credit reporting agency.