RJM is fantastic to work with. I offered them a settlement offer in exchange for PFD and at that time they accepted my offer and I also stated when I would pay the settlement off (as I couldn't just do one lump sum). RJM gracious agreed, sent me an email with the settlement terms, a regular letter via USPS mail with it, and that way that.
I ended up being able to pay it off earlier, so now I am just awaiting them to delete the tradeline from TU & Experian. They said it takes roughly 30 days, so now I wait. I think maybe they only update once a month, so that may be what I am waiting for? Not sure of the turnaround on that.
But regardless, they are awesome to deal with.
Starting Score: TU: 636 EQ: ?? EX: ??