No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
>
>
>
Ughhh I hear you. I have two collections with PRA and I have sent them letters offering settlements in turn for updating the account to show paid in full. I'm not even asking them to delete it LOL just update to paid in full not settled. I keep checking my mail but so far haven't heard a peep back from them. But I dont want to call and end up worse off.
I had 6 collections totaling approx 5.5K. I called each CA to negotiate. I started with " Hi, I saw an entry on my credit report from your company, I'm not aware of this account, but I'd like to get this taken care of and removed from my report." They then told me what the minimum amount accepted would be, I tried to negotiate but in a friendly way, failed, and paid. I asked multiple times before I gave payment info if it would be deleted and was assured it would be. I requested an email or letter first, but they would not claiming that people have taken the letters and used them dispiute without paying. They all actually did send the communcation after payment to my surprise.
Just as backup, I recorded the phone calls of them agreeing. One party consent state
I would stay off the phone and do all negotiations by email.