I am in the process of buying a home. Last year my job stopped our benefits. Because of this I was no longer able to afford my daughters entire ortho bill with my companies contribution. Long story short the dentist sent me to collection without any notice. My score dropped 22pts because of this. Interest is being compounded daily and the collection agency says that they can not settle.
The CA emailed me a letter stating that they would remove once paid in full. I need to know if I can get the OC to accept the original amount minus interest will the CA have to delete the collection from my reports?