Also, if you do settle, ask for a PFD or get some guaranty they will not change all the months since 2007 to 120+ lates. I settled with a CA on a First Premier account back in March and as soon as I did, First Premier updated the status to charge off, settled for less than amount, and added 27 120+ lates.
Starting Score: 539 EQ 11/1/2011
Current Score: 632 EQ , 642 TU, 663 EQ (MTG PULL 4/12/2013)
**It's a marathon not a sprint**
