Folks,
I have 2 collections on my credit report.
The first, from Cingular was from Aug 2004 for $640.
The second, was from a local utility company I now work for, for the sum of $50. Although the collection for this was in 2003, when I requested service from the utility company last year they told me I had a $50 balance. Obviously I paid it in full to them as I had been unaware this whole time of that debt.
I understand there is little I can do about Cingular account but was trying to explore some options. Can I offer to pay them a part payment in return for complete deletion from my credit report? How can I assure they don't just take my payment and not do anything about removing it entirely from my credit report?
As for the $50 one. I actually paid the utility company (who I work for) and not the collection agency. Is there anyway to get this removed entirely through GW? Should I call them, plead my case, and tell them as a fellow employee it would be greatly appreciated? Any advice would be greatly appreciated?
My score is tinkering on the 700 mark and I really want to join the 700 club ;-)
Regards,
Jonny
