I started my credit rebuild like 3 months back. I paid some things off, and now have 3 very very small medical bills holding on that’s not reporting.
Now, I have a DTE tradeline on my credit report… it says paid, but it does a reflect a balance of 3,100… although it wasn’t paid it was just cancelled.
Anyhow, DTE sold the debt to a collection agency (transworld systems)…. I would received it today and it was mailed out on June 28th, 2015. However, I am awaiting their response from a sent email requesting for a payment plan and a settlement.
Anyhow, if I was to send in a partial payment… could I stop the collection agency from reporting all together??? It is not on my credit yet… and the letter said I have 30 days to validate and make a payment to avoid it.
Just want to know did I read it right… I am trying to get a personal loan in October-November 2015 and I don’t need this **bleep** it up