CO and Collection Help

[Civil]

Best solution to my situation. Should I pay off these accounts or or settle I am looking to purchase a home next year. It's weird to me that both of these charge offs are reporting by the OC but I can't pay them and I have to go through the CA, but they will update the account after the CA gets the payments.

Barclays $1955 ----Financial Recovery service has the debt but Barclay reports it. 4yrs old charge off

Synchrony JCP $719 ---- Convergent has the debt but Synchrony reports it. 2yrs old Charge off

Portfolio recovery $200 --- old capital one account 4yrs collection.

[uga03]

Hey Civil,
If you’re looking to purchase a house next year then you most definitely want to pay these off. Paid in full carries more weight than a settlement.
I don’t know the specifics but being able to deal directly with the original creditor would be best as you could try and have them remove the charge off status and list it as delinquent & paid in full. But if they sold the debt then they wouldn’t be able to do anything as they no longer own the debt. Are the collection agencies reporting the account as well? If not and you must go through them get it in writing that if you pay the balance they will not suddenly report. Make sure to get a written copy of pay off with the original creditors name and account number if possible so you can send a copy to the credit bureaus to have the account reported updated as paid.

[Civil]

Barclay and Syncrony has a third party CA, and they don’t want to deal with even though I offered to pay in full. Both said I have to deal with the third party. Portfolio does not want do Pay to delete, I am just going to just pay them and keep sending letters till they get tired of me. I will make sure I get paid in full letters. Thank you