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Originally Posted by AngieMrsn  I think I may have goofed on something and wish I would have found your site a few days ago. I had contacted one of the debt collection agencies by phone and asked if they would stop reporting the debt once it was paid for, they stated that since I had been contacted about this debt before they would no longer do that and would only report it as a paid debt. Should I still try and send a "pay for delete" letter or would it be better to pay the debt and then dispute it later. This debt is only about 6 months old, and I know it is really dragging down my score.
Thanks! |
It's hard to say, Angie. I don't know what they will do. They may not bother verifying it once it is paid. So, you may want to pay it and then dispute it. You can also try a pay for delete letter.
Since it's a newer account, you definitely want to get it taken care of asap. If it were an older account (5 years or more) I would say "screw them - don't pay it if they won't agree to remove it!"