I have a charge off with WFFNB/LERNER that I'm interested in settling as they keep reporting late 120 days and chargeoff. I called WFNNB and asked them since the debt is small if I could do a pay for delete but , they indicated that this account was given to Alliance One. I have contacted them but, they refuse to validate the debt and am suggesting that I just pay them. What do I need to do as they won't validate and they aren't listed on my CR? This is a very small debt for like $244.00/
Please help!
Thanks
