Don't give up! Where there's a will there's a way! I understand you needing to contact them asap to find out if they've reported or not....that's totally your call. Just keep in mind they're like any other typical CA..they will hound and threaten you as much as they can to get you to pay anything. So it's probably not a bad idea to have a plan of action in mind before picking up the phone.
Just from my experience, everytime I called or contacted them, they updated my CR. There would be periods of time where they didn't report for months at a time and sure enough, as soon as I called, they'd play catch up and report it and update the amount they claimed I owed. So since I've been trying to clean up my credit in order to buy a house I worked out a low settlement with them knowing it would hurt at first, but eventually start going away. My credit did take a beating, but my LO told me she couldn't advise me whether to pay it or not (knowing it would hurt my credit score) but told me that it could definitely hinder me from getting approved. I thought I could settle with them, take a moderate hit and in a few months time be back on track or even get them to delete it. I sent a GW letter to the CEO last week and received a reply that they would look into it. Later that day I received a Scorewatch alert that changes had been made to that account and really nothing had changed (see posts from last week). The damage has already been done, but once I settled with them it dropped. I'm pretty much just sitting and waiting on my score to get back up where a lender would even look at me. I'm basically debt free, with the exception of my student loan payment that I've never been late on and owe 8K on.
Hopefully you can find out where it's at with them and work something out before any further damage is done. Hang in there and whatever you do DON'T give up!!
05/31/2013 672 EQ (Fico), 03/08/2012 697 TU (Fico)
Closed on my first home 12/07/11! Officially a homeowner, thanks to this forum!!!
