No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
I just got a bill from a collection agency regarding a valid American Express debt. This is not reporting on the CRA's. The settlement offer is attractive but I do not have the amount on hand and will need to try to negotiate the payoff. American Express has not been reporting this collection and I am afraid if I contact the CA, they will start to report it.
Since American Express is not reporting this at all, is my fear of the CA reporting this valid?
Whether AmEx is reporting or not, the CA can report.
If you DV, they can not report until they properly validate.
You can try negotiating a pay for not reporting.
What is the DOFD?