Hello, question on how to handle this charge off.
University of Phoenix
Total$1738
Charge off
Opened 02/2015 (in Missouri)
First delinquency 03/2016
This is a bill that my employer at the time was suppose to cover. I no longer work there and don't want to deal with getting this back from them so I need to know the best way to handle. Some time ago I received a letter from FBCS Inc in Hatboro, PA offering me a settlement of 60% off, for a total due of $695.28 which is AMAZING (this letter was dated in November of 2017). At the time I was not able to handle this situation, now I am in the position to make some sort of payment and would like to do something since it continues to report MONTHLY from University of Phoenix with this balance. FBCS IS NOT reporting on my credit. When I googled FBCS it says they are "We are a nationally licensed and bonded collection agency offering pre-charge off, early out, and third party collection services for clients across a variety of industry verticals".
Anyways, what would be the best way to handle this, going directly to University of Phoenix with a goodwill letter offering that reduced amount of $695.28 if they will remove this from my credit? Please let me know. Thank you all!
