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Wide Area Network
May 6, 2009

Connecting the world...FOR EVIL
Pulled my credit report this morning and I see 4 collection accounts that have been "closed". What exactly does that mean? I never reached a settlement with any of them.

What is my best recourse here? How long do they stay on the report normally?

Thanks!!

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Wide Area Network
May 6, 2009

Connecting the world...FOR EVIL
Regarding an old debt from a medical bill from 2008, the total amount of the debt is $1,286. What is a fair amount to offer to settle with a pay-to-delete?

Wide Area Network
May 6, 2009

Connecting the world...FOR EVIL
Also, CubsWoo thank you so much for this thread. Your advice has been incredibly helpful and I'm am grateful to have you for advice!

Last question for now:

I sent a request for debt validation regarding a debt and never heard anything back. Do you have a form letter you use to tell a debt collector to drop everything and f-off?

Thanks again!!

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