BeatingMS Posted March 29, 2007 Report Share Posted March 29, 2007 Hey everyone:)++ We had started paying this to the CA before we found you...Anyway we can pay it off now. Should we pay it off in full? Do we negotiate w/ the doctor or the CA to get it off our credit report?Thank you for all your help!!!!/cat Link to comment Share on other sites More sharing options...
thomassl Posted March 29, 2007 Report Share Posted March 29, 2007 Hey everyone:)++ We had started paying this to the CA before we found you...Anyway we can pay it off now. Should we pay it off in full? Do we negotiate w/ the doctor or the CA to get it off our credit report?Thank you for all your help!!!!/catIt depends on which one owns the debt...the creditor or the collection agency? If the creditor owns the debt and uses this particular CA, I would negotiate with the creditor for a PFD, pay for delete so it comes off your credit report. If the CA owns the debt, you can try to negotiate with them but if they agree, make sure you get it in writing...the same with the creditor before you pay it off. Otherwise it will show on your credit report as "Paid" and stay for 7 yrs. Link to comment Share on other sites More sharing options...
BeatingMS Posted March 29, 2007 Author Report Share Posted March 29, 2007 So my next step would be to contact the CA? Would that be through a DV letter? I am new at this so please be patient w/ me. I read and read these posts but sometimes I can be thick as a brick as Jethro Tull would say.Thanx/cat Link to comment Share on other sites More sharing options...
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