https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/CA-vs-OC/m-p/321496#M24392 Is it better to go through the original creditor to pay a bill or the collection agency. I have a collection account for a library charge that I didn't know I had. It was in 2005 and is in collection. I want to get it paid but I also want it removed. I would like to call the library to see if I could pay them directly but I would also like the line deleted from my CR. What do you all think? Mon, 18 Aug 2008 23:30:55 GMT aquatic1 2008-08-18T23:30:55Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/CA-vs-OC/m-p/321496#M24392 Is it better to go through the original creditor to pay a bill or the collection agency. I have a collection account for a library charge that I didn't know I had. It was in 2005 and is in collection. I want to get it paid but I also want it removed. I would like to call the library to see if I could pay them directly but I would also like the line deleted from my CR. What do you all think? Mon, 18 Aug 2008 23:30:55 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/CA-vs-OC/m-p/321496#M24392 aquatic1 2008-08-18T23:30:55Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/CA-vs-OC/m-p/321514#M24398 <DIV>Hi and Welcome to the fora! It's best to work with the OC. If they won't accept your payment then you'll have to work with the CA. Please read the link below.</DIV> <DIV>&nbsp;</DIV> <DIV><A href="http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&amp;message.id=2659" fico="" board="" message="">PFD Letter</A></DIV> Mon, 18 Aug 2008 23:51:57 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/CA-vs-OC/m-p/321514#M24398 fused 2008-08-18T23:51:57Z