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Hey guys, I need a little advice on how to best tackle this. I recently got my credit reports and noticed 3 accounts currently in collections: 1. $65 to Credit Management LP (OC Charter Communications) Placed for Collection 8/2013 2. $118 to to Transworld Systems (OC Old utility bill w/city) Placed for Collection 11/2013 3. $1108 to Midland Funding (OC Citibank) Placed for Collection 8/2010 (Says on my CR that it's scheduled to continue on record until August 2015, so I'm thinking about just leaving this one as is.) Basically, I'm thinking about doing a PFD on the first couple and offering 50% of the amount owed since they're such small amounts I'm hoping that the CA's will just accept. I'm also afraid that this will rally up any other old debts I may have and they'll pursue me, am I right to think that or am I safe just sending off a couple of PFD's and getting those (hopefully) off of my credit report. Any advice would be greatly appreciated! Trying to get my credit report (slowly but surely) back into shape.
A few years ago, T-Mobile billed me for an unreturned handset, for 300 and some odd dollars. I disagreed. A month and half before, I called them letting them know my handset wasn't working. It was still under their warranty, so they agreed to exchange it free of charge, however they required I return the faulty handset within 7 or so days of receiving the new one. I got the new phone, but no packaging materials. I called them letting them know that I couldn't return the old handset until I received shipping materials. They apologized, said they would send me the shipping materials, and extended the time it was due another two weeks. After a week or so, I left for a two month assignment in another state for my job. I hadn't received the shipping materials yet, and called T-Mobile informing them I hadn't received it, but was going out of town, so I wasn't sure that I would be able to get out the handset by their deadline. The agent I spoke with said she would make a note of it. My assignment only permitted me to come home on the weekends, if we weren't busy. I did make it home one weekend, found the packing materials and took it with me so that I could mail it off when I had time during the week. I mailed it off about a week after I got the packing materials. But a day or so later, I received a letter at my new address from T-Mobile (I had my mail temporarily forwarded), saying they were charging me for the handset. I called immediately speaking with a rude agent, who seemed to take it personally that the handset wasn't returned within the original 7 day time frame. I explained the situation to her, but she was not moved. According to her, T-Mobile gave me sufficient time to return the handset, even accounting for their gaff of not mailing the shipping materials, and she didn't see an additional extension of time. I said "Well, you can't charge me for the handset, I sent it to you." She insisted it does not matter and they were charging me anyways. I said I wasn't paying for a broken handset, that I returned to them. Then, she told me if I didn't pay, they would shut off service for my phone. Pissed, I say "OK" then after getting off the phone immediately call Verizon and have my line transferred from T-Mobile. Eventually T-Mobile sent me a bill for the handset and the cancellation fee, plus some other extraordinary fees making my bill to them nearly $1,000. Obviously I don't agree to any of this ish, and I felt I was forced to switch services given their stance on the charge for the handset. Within a month or two , they transferred my bill to Midland, who have called me incessantly. I told one agent "I didn't agree with T-Mobile that I owed the money, why on earth do you think I'm going to pay YOU?" Midland reported in 2012 sometime, so it is about two years old. How should I go about getting it removed?
I have one open collection left on my credit reports. It's something I don't really feel I owe but I don't have evidence of this so that's a story for another day. My question is, what is my best option if I can pay the full $800? It still has about 3.5 years before it will age off and I'd like to just take care of it. The DC is not being helpful and I don't want a "settled in full." I basically have admitted I owe it and it's very obvious that it's my debt. They refused to PFD for $500. Should I ask for a PFD or just tell them I'll pay the full amount if they report it as "Paid in Full?" Is there another option, like to have it show up as paid as agreed? Or is that not possible because it is the collector that is reporting it? Thanks!