https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Midland-Funding-LIED/m-p/3682108#M380805 <P>They are permitted to change their prior position.&nbsp; You are in negotiations.</P><P>You can counter offer to pay in exchange for either deletion of their collection or agreement not to report settled for less.</P> Wed, 10 Dec 2014 00:05:08 GMT RobertEG 2014-12-10T00:05:08Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Midland-Funding-LIED/m-p/3681493#M380778 I have a debt with midland funding. In April they wrote me a letter stating if I settled my debt, they will consider it paid in full. I couldn't pay at the time, but I can now. The problem is, now they say they will report it as"settled less than full balance", what my next step ? Tue, 09 Dec 2014 17:26:37 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Midland-Funding-LIED/m-p/3681493#M380778 Anonymous 2014-12-09T17:26:37Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Midland-Funding-LIED/m-p/3682108#M380805 <P>They are permitted to change their prior position.&nbsp; You are in negotiations.</P><P>You can counter offer to pay in exchange for either deletion of their collection or agreement not to report settled for less.</P> Wed, 10 Dec 2014 00:05:08 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Midland-Funding-LIED/m-p/3682108#M380805 RobertEG 2014-12-10T00:05:08Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Midland-Funding-LIED/m-p/3682792#M380893 <P>Don't pay it.&nbsp; Continue to negotiate.&nbsp; It's December and nearing the end of the year.&nbsp; See where that gets you.&nbsp; Keep calling until you find someone to work with you.&nbsp; Get it in writing and be prepared to pay immediately.</P> Wed, 10 Dec 2014 15:11:44 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Midland-Funding-LIED/m-p/3682792#M380893 fishbjc 2014-12-10T15:11:44Z