My credit is in very bad shape and I need some long-term help. My highest score is 536 from EQ. Today I made a few phone calls to the collection agencies one bill was for 434.00. I asked and begged for them to remove the report from my file if I pay in full or settled for 50%, the person said they cannot remove it, so I went along with the settlement amount for 163.00 for two payments my first payment is tomorrow. Did I go about this PFD thing all wrong? Should I just send the letters to the creditors instead of calling?
INQUIRIES (2 years):
I asked the person “if I PIF or settle for 50% will you delete my file from my report and she said she can’t and that the only thing I can do is settle or PIF”.
I should have sent the letter instead of calling right?
Is this something that i have to keep pounding at them?
I can't do anything now because i already gave them my Prepaid CC infomation so i have to pay. I have another CC bil thats 143.00 I will give them a call today and try with them.