collection agency and credit repair

[ifucan]

Newbie here. My wife and I had a small business. Due to health reasons our business failed. Unfortunately on my credit I've been hit with a 30 late on a mortgage on an investment property we have. Also we have 4 collections on us thanks to Am.Express. One was with OSI,now NCO Collections. The woman I spoke to threatened me with every crock of a story to make me pay in full.....25 Grand!!!! I had to beg and borrow but I got it paid. Course I now know it just shows as paid but still on my report. There are still 3 others on the report under collections. So my question(s) are: If I offer a PFD to NCO should I offer to pay them off as long as they also delete the old OSI account ,even though it's paid in full. Also I know the lates on my credit cards can probably be handled, but what about the late on that mortgage?Is there a legit credit repair company out there that can get it done for me and not charge to much of a fortune?? Really need some help here,please.

[chane]

Originally Posted by ifucan

Newbie here. My wife and I had a small business. Due to health reasons our business failed. Unfortunately on my credit I've been hit with a 30 late on a mortgage on an investment property we have. Also we have 4 collections on us thanks to Am.Express. One was with OSI,now NCO Collections. The woman I spoke to threatened me with every crock of a story to make me pay in full.....25 Grand!!!! I had to beg and borrow but I got it paid. Course I now know it just shows as paid but still on my report. There are still 3 others on the report under collections. So my question(s) are: If I offer a PFD to NCO should I offer to pay them off as long as they also delete the old OSI account ,even though it's paid in full. Also I know the lates on my credit cards can probably be handled, but what about the late on that mortgage?Is there a legit credit repair company out there that can get it done for me and not charge to much of a fortune?? Really need some help here,please.

Welcome to the forum!

You should definitely try a PFD with NCO and if that doesn't work, don't pay them.

We refer all of our clients to Lexington Law. Lexington has served over 500,000 clients since 1991 and is accredited by the BBB with 0 unresolved complaints. They're very inexpensive, you should definitely give them a try.