I found a charge-off account with citifinancial(retail) with a balance of $286 in my credit report. Two years ago, I disputed the $286 with citifinancial. At that time, they insisted me to pay, but I didn't. I wanted to resolve this. So I called them, they suggested me to pay $158, but will post it as "settled". How do I get them to post it as "as agreed"? Anyone had such experience? (I am willing to pay $268 to get "as agreed"). Thanks
