I just called them to try and negotiate a payment in full for deletion OR R1 and removal of negative info. The lady was horrible to me. "If you'd only paid $13 a month these last 70-some months you'd have had it paid off." Duh..... She told me they will report it as paid (or settled if I pay less, which she offered $100 off, thanks a lot). But that the govt. requires them to report the correct payment history blah, blah, blah. So do I call back and try to talk to someone else or just pay it and get it over with? If my credit is crap anyway, does it make a difference if it's "paid" or "settled"? I guess if it doesn't matter that much I'd rather pay less.
YES! It does matter! Your credit won't be a wreck in a few years but this one item could sink you on buying a house after you get everything else straightened out. Talk to someone else. Dancer
