What do you guys think?

[jlyriq]

Ok so i have a old bill with an OC but i just recieved a settlement letter from a CA for half of the debt so i called the OC to see if i paid the balance what could they do for me as far as my credit report and they told me they would remove all of the negative info on my credit report (but they wouldn't send a letter until after it was paid and the letter would say as a curtosy we will remove all negitive notations from your CR....weird right?) so my question is what would you do in this situation because if the OC is still willing to deal how is it possible that the CA can send a settlement offer?

[jjgross]

Originally Posted by jlyriq

Ok so i have a old bill with an OC but i just recieved a settlement letter from a CA for half of the debt so i called the OC to see if i paid the balance what could they do for me as far as my credit report and they told me they would remove all of the negative info on my credit report (but they wouldn't send a letter until after it was paid and the letter would say as a curtosy we will remove all negitive notations from your CR....weird right?) so my question is what would you do in this situation because if the OC is still willing to deal how is it possible that the CA can send a settlement offer?

Because they always try to collect even if they don't own it!They operate on fear and assume that people don't know the law.If you can deal with the oc then do that!If not remember cas get these for pennies on the dollar,so without a pay for delete up front,i would not take their word.In fact i would never pay a ca or a jdb.