I just had a conversation with one of my ccc, (5 mos past due)they offered 50%. I told them I wanted the acct reported as "Paid in Full never late" they told me they can't do that & that settlement is reported as account setteled in full, for less than full balance, but it dosen't state the actual % of the settlement, so that is in your favor, it's a resolved account, a charge off is unresolved, it means the bank had to take it as a loss it will show we sold it to a third party. should I continue to push for "Paid in Full never late" or take what they offer...also, what's up with the "third party" ?
You could ask that if you pay they REMOVE the tradeline off of your CR. Pay to delete. They may go for that
