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GloryB07

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is it better to pay off a debt at a lesser amount or pay entire debt and have it completely erased
Should I believe the credit agency or get it in writing? total debt is only $900, which they said they will totally wipe my history clean and remove completely from credit report if I pay entire. settlement is 340 but it will show as resolved but stay on my credit report. If the first is true it seems better. not sure if they are being truthful

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Get it in writing!!

Any 'phone drone' at a collection agency can say anything they want just to get you to pay.  Instead, read the articles on this site about negotiating a 'pay for delete' agreement.  This has to be done in writing (keep copies of all letters until after the problem is fully resolved).  This way you may end up paying less AND get the account removed from your credit report.

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