My question involves collection proceedings in the State of: NY
This involves a debt currently held by RJM Acquisitions.
I offered to pay in exchange for having this record removed from my credit report. They agreed and sent me a letter to that effect.
The letter is on their standard stationary, in the place where they usualy ask for money it says the following:
Should I be fine with this letter?Payment Proposal
RJM Acquisitions LLC ("RJM") is the owner of the above referenced account.
Based upon review of this account, RJM is pleased to accept the sum of $###.## in full satisfaction of the above referenced account.
Please pay by July 26, 2008.
Upon receipt and clearance of $###.##, this acount will be satisfied in full, and, as per your specific request, RJM will
REQUEST OUR REPORTING OF THIS ACCOUNT BE DELETED FROM YOUR CREDIT REPORT.
The following are several things I'm worried about:
- There is no time frame stated for when they will request it be deleted.
- They don't explicitly say they will delete it from all the reporting agencies (it's currently listed by 2 of them).
- This wasn't signed by anybody.
I'm not sure if I'm being paranoid or these are valid concerns.

