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Question By
ozziesironman

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I have a utility debt for 559 that has been in collections for a year. Should I pay it?
It was originally with Cox Cable. I got service for my ex girlfriend and I, but we split. She was supposed to have been paying it, but I didn't find out until later that she hadn't paid. I never once got a call from Cox about this debt, so I didn't know it was even in collections until I checked my report this year, and it had been in collections for a year. with Progressive Financial Services. Should I pay it off, or just deal with it and let it rot?

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Do some thorough reading on "pay for delete agreements". You want to get accounts like this removed from your reports rather than just marked as paid.

Reply by
ozziesironman

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I looked up the pay for delete agreement... and learned that not a lot of places do it anymore because the credit bureaus got irritated and started putting the smackdown on companies that did these agreements. I did learn that the higher the debt is, the more willing the company is to remove it from the credit report.

I want this removed, not just put as paid. but with it only being a year old.... i dont want it on my credit for the next 6 years.

Is Progressive Financial Services fairly easy to work with? anyone have experience with them?

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