The bad: I'm working on this now. I was originally told that if I made a payment of $500 it would prevent a 'collection' from being put on my credit report. Literally less than a week later it showed up! lol.
Nonetheless, I didn't pay anything for like 5 months because I was so tilted by the situation.
The good: After that time was up I decided to pick up the phone and give them a call and let them know I want to start paying these again, but I need the collection removed. I went through several CSR reps before getting ahold of somebody who understood what I was trying to do (other CSRs were just trying to get payment). A couple forms later. I'm now set and I'm on the rehab program. I've only been on it for four months or so. I believe it's after six months or so they send you additional information and then a few months after the debt is settled they end up removing it.
So to answer your question -- Yes, I'm on the rehab program now, but I'm to early in the stages to know if it actually works yet!
