I have 3 accounts that I need advice on.
I have 1 charge off account that is not in collections. I want to pay the entire amount. But don't know how to go about doing so. Should I call the company's phone number listed on my credit report and tell them that I will pay, if they send me a letter saying that if i pay the amount, they will consider it paid in full and inform the credit bureaus to update my account to a paid charge off entry.
I have 2 accounts in collections and want to pay the entire amount for both. I get calls from the collection agencies, but don't answer. They have sent me letters in the past but its past the 30 days after I received the letter, so I can't write a debt validation letter. Should I call them or answer the phone when they call and ask them to send me a letter of what i owe. That way i can then send them a debt validation letter once i receive a written letter from them.
Also, I heard that when you send a debt validation letter, the collection agency removes the entry from your credit report until the dispute is resolved. But it reports the dispute in your credit report. For how long does the dispute show in your credit report. If the collection agency never gets back to you, will it never get removed from your credit report? will the dispute look bad when someone checks your report?