They haven't confirmed in writing that they'd delete it yet, though I did speak with them again and they said they'll have it in writing on Monday.
This is the collection agency that I pulled directly off my credit report.
They haven't confirmed in writing that they'd delete it yet, though I did speak with them again and they said they'll have it in writing on Monday.
This is the collection agency that I pulled directly off my credit report.
The fact that it's a collection agency does not tell us anything about who presently owns the debt.
Your state has a longer-than-usual limitations period, and the negative entry will be on your report for @1 more year (and potentially much longer if they get a judgment), so settling may give you peace of mind. But you should have your settlement terms in the form of a signed writing before you send your check, lest they cash the check then announce, "We didn't promise you that."
Be very cautious on the words they use regarding your credit report. They are infamous at telling you they will delete but what they do is update it and mark it paid in full. Big deal...yes good zero balance but VERY few will actually delete it so just be aware of their choice of words.
Thanks everyone, I think I've got a good idea of what to move forward with.