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Originally Posted by _Opi_
I am in the process of getting my credit score up and I was faced with these two hypotheticals. To be honest with you, I am morally conflicted. I have 4 more years before my credit card debt is totally off the account so that by 2010, I am in the clear. However, I believe that if you owe debt, you must pay it back! If I do that, then I am cursed for the next 7 years  |
What may work for you is if you call the original lender and ask if you can pay for a deletion. I've heard that this is difficult and some companies will not budge, but it has worked for many others. Don't contact any third party collection agencies, contact the OL directly and offer them a lump sum of 50% if they will delete the negative item from your credit report. If they agree, be sure to get it in writing.
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