I know you guys have probably already discussed this, but I'm new so please bear with me. I have two questions:
1. I am now dealing with Gulf State Financial (OSI). They offered me a settlement for 1/2 of the balance of the account. I needed to be paid in 3 months. I couldn't do it. I asked them if I could pay it in 4 months at about 350 a month. I asked for them to send me the agreement in writing. They sent me a letter for a payment plan of 150 on the full amount of the account. What should I do?
2. I was also advised by someone on this discussion (I can't remember who. She has a tagline about Gulf State being the devil) that I should get a verification for Gulf State Financial (OSI). Should I get verification for both accounts, or just one since I have showed intent to pay one of the accounts.
Send validation letters to both accounts. Then about 10 days later, dispute them with the cra's. Gulf State won't be able to validate these. It may take a few letters, but you will get them to close the books on these and delete from the bureaus. You can find the validation letter in the letter section, or do a search at the bottom of this page.