Has anyone had any luck with paying a CA to get all lates erased without actually paying the full amount? And do ca have the right to keep adding late fees & interest after they bought an account from the orig creditor? The dept is up to $5,400 & I was thinking about sending a pay 4 delete letter offering $4,000 just to get the lates taken off. My scores are getting close to that 700 mark & I don't want to risk another late even though they havn't reported anything since may. It's due to fall off my reports in 2011. It's from a few years back when I got a credit card with a $2,000 limit.
