Is it Stupid or potentially fatal to call a CA to get some info? I have 1 chargeoff left to deal with. Now since im so obessed with my credit and getting my reports i want to deal with this Quickly. They checked my report 2 months ago. I had exp and equ delete the oringinal credior. however it still remains on Tu. So these morons put the collection on equa and exp. Then they send me a cocky letter saying we have info that you are applying for credit. And we want to help you with this. Bunch of bullshit.the balance is 1200.00 How much should i offer?? this would include the deletion of collection account on equa and exp. thanks for your help.