Hello, id like to know what would be my best option for getting a ( 90 Day past payment ) off my credit score? My credit report does not show any derogatory information. A Collection Agency recently sent me a letter stating that they would settle the debt for 50% lump sum, however they will only report the debt as a settled debt and not as paid in full. what are my best options here? attempt to settle the debt? or just wait out the 7 years? my credit score has already been affected and I have noticed an increase in my score since last year. thanks for any reply.
A CA's listing is entirely separate from the OC's tradeline (which would have the 90 DAYS LATE notation). A CA can never make a binding commitment on behalf of another person. That'ld be the equivalent of me promising the IRS that you will write a check to cover the national debt. I am confused, because you seem to say in your question both that it does show derogatory information, and that it doesn't,
