Yes it is true that a paid versus and unpaid it just about the same score wise and I do realize your point and I agree BUT we will be getting a mortgage next summer and I have to pay off any collections prior to getting mortgage, so that is why I am trying to get them to delete it, this way my mortgage lender will be happy and my hubby's score would go up, but so far they aren't agreeing. Kristi had posted that this company buys the debt outright and she would think they would want to accept my offer for payment/deletion. But I am not giving up I am going to try and call again and maybe get a different rep and then I will write a letter, I do have some time yet so I will keep trying. Thanks Momof3
