Hello, everyone. I’m new to trying to restore (more like resuscitate!) My credit score. I have 4 collection accounts and several late payments. I want to begin by trying to negotiate payment in exchange for deletion as I have read many of you referring to here in the forum, but I don’t understand exactly how to go about it. Do I call or send a letter?
If by phone, what guarantee is there that the agency would follow through on deleting after I pay? Or even how do I know the person on the phone IS really authorized to make such a promise?
Finally, are you offering to make full payment in exchange for deletion? One of the collection agencies sent me a settlement offer. If I have to choose, I’d rather have the deletion, of course. But is it possible to negotiate for both deletion and settlement? That particular account is kinda recent (Oct 2016), so well within SOL.
Thanks in advance for any advice.