Should i do this?

[Rkalynsmith]

2 more baddies left. Owe RJM acquisitions $700. Nice CSR stated that i can settle for a 1 time payment of $407 or make monthly payments of $20 a month to pay $476. I told her if i go the monthly route that i would pay more than that. I asked her once i paid it off will they delete it from my credit report and she said yes. I asked her for a letter stating that and she said she would mail me one and also email me one. Should i offer less? I can pay $100 a month to just be done with it. Was looking to settle for about $250

[ezdriver]

You missed your chance to offer the amount that YOU wanted to pay. Nothing stops you from still offering the smaller amount but it is unlike to be accepted.

[Lechte]

I wouldn't make a lesser offer.  You're paying almost half of what the original balance is..AND you are getting it deleted.  Deletion is the big win here...unless you're struggling financially and every penny counts...don't risk it.   ....that's just my opinion.

[cartwrna]

I once had an account with RJM Acquisitions, can't remember what they stated it was for though. I was able to dispute it directly with credit bureaus as unknown debt and requested validation. They would never validate/verify so it was deleted.