[ecredit]

Hi, hope I'm not speaking too soon. I spoke with one of the creditors who placed a bad debt on my equafax report in Canada which I'm sure the US accesses as well.
I explained to him all the details of what my perception of the situation was and presented it as a misunderstanding between parties.
I was open and ready to work things out.
He told me he would fix the error and place it as account closed at customer request with R1 rating. He also told me to call another number Tuesday of this week, affiliated with his office to have them send me a 0 balance letter.
I am hoping that this is real and that it goes smoothly. He stated that equafax won't have it updated from their side for 3-4 weeks. Makes it difficult to find work in the meantime holding off untill all is clear.
He is the one collector that I have spoken with who was honest to say they would be able to reverse the rating in my favor!