I would just wait out the full 30 days and then send the CA a DV2 and do a 1 2 punch.
Another thing you might consider is (depending on how old the debt is - and if you are willing to pay it off) contacting the phone company and asking if they will take payment from you and recall the debt from the CA. If the phone company is in MN, restrictive endorsements hold up there........so you could always put an RE on the check to them stating that payment is ONLY for them to deposit and that way they can't transfer the funds to the CA.
If you pay the OC, then the CA no longer has the right to report the debt because it is no longer theirs.......making it MUCH easier to get it deleted from your CR.
Hope that made sense.........let me know if you have any questions.
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~Trish~ |