@Anonymous wrote:I have a collection that is on all 3 credit bureaus...
on the TU it is reported by the original creditor, then on EX and EQ it is reported by a collection company.
I would like to negotiate a pay for delete- but who do I contact? the original creditor or the collection company?
Thanks!
You contact whomever is reporting, if there is a CA tied to an OC you would first call the OC and ask them to cancel the collection and then settle with them directly if they refuse then you would be making your PFD or settlement offer to the CA.
