I have a store credit card that I defaulted on around 2002. The original credit card still shows on my report as a charge-off/collections. There is no collection agency on my report regarding this debt.
Yesterday I got a call from a collection agency about this debt. I told her I would only correspond via mail regarding this issue, (thanks to reading this forum!!) and she is mailing me a letter.
SO when I get the letter, what do I do? I have no problem paying it, it's just a couple hundred dollars, but what is the best way to go about it? Can I reply with a pay for delete letter when there is nothing from the CA to delete? Do I instead contact the original company and work with them? If I pay it now, won't that reset my 7 years? If I respond to the CA letter do you think that will end up on my report?
Why is it so complicated to try and fix past mistakes?