Account status questions...

[Anonymous]

I have a GMAC vehicle account that was charged off and subsequently settled for about $2100 less than the balance (note: If I had known about this forum I would have tried the PFD...but did not find until it was settled). I have three separate account status' they are:
1. Experian: Paid in settlement. $12,656 written off. (comments:Account legally paid in full for less than full balance.)
2. Equifax: Charge off (commentsettlement accepted on this account,Paid charge off)
3. Trans Union: Payment after charge off/collection (comment: Settled - less than full balance)

I know any CO is bad, but can I press to get the account status to show ???, what is better of the three, what status best represents my account? It has been settled.

Thanks!

[sl]

How old is the account?  You may try a GW letter.

[Anonymous]

Mid 2005...just settled 2 months ago.

[sl]

I would say a Goodwill letter is your best option.

Good Luck.

[Anonymous]

Thanks...willing to try anything...also thought of paying the final $2100 that did not get paid in the settlement but do it though a PFD, I have read about something like that in another thread. Will try the no $ option first.

[sl]

PDF is an excellent idea but get it in writing before you pay anything.