I just recently checked my credit reports and found a negative account...a school tuition bill which I was paying as much as I could for, but obviously not enough each month so they wouldn't reported it on my credit which in turn hurt my scores really bad... In an Instance like this should I do a pay in full letter or validate letter? i'm try to qualify for a mortgage and this has hurt my credit really bad..
You can't DV the original creditor, only collection agencies, so you'll need to work directly with the school to negotiate both payment and how they report it to the CRAs.
