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55 views and no replies! Have I stumped the FICO experts?
My common sense tells me that the one reporting monthly carries more weight, so I will try to PFD them again. They sent me a settlement offer of %25 ($53.79), to which I replied that I'd give them the $50 if instead of marking it as paid (or settled, I forget right now) they deleted. I got no response, so maybe I should offer them 33% ($72).