[jlyriq]

So I had a Creditor call me today about a account/car loan and that they were trying to settle for 40% of the owed amount and when I told the lady that i was interested but i wanted to have the TL removed from my credit report or worded different on my report I was "By Law" they can not removed it from my credit report. Is this true and what should be my next step if its not true? (which i know they can remove it since they put it there)