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misinformed about opting for a payment plan!
collection agency didn't inform me that they will report to credit bureau if I have any balance left with them after 35 days. they told me that I can opt for payment plan of 4 payments in 4 months which I did. I would have paid off the entire amount if I had known about it and avoided reporting to bureau. Now they are telling me that they can't take it off of my credit report even if pay off the whole amount, all they are willing to do is report as paid in full. The manager was very unprofessional, rude and intimidating, he even used words like bu*t in the conversation. He said its not their responsibility to tell me about reporting to credit agencies. I made 3 payments and willing to make the 4th ahead of time but they are refusing to take it off my credit. The total amount was for $630 of which $168 is remaining after 3 payments. I am planing for a car loan sometime this august or September and I don't want to end up getting rejection for car loans. Any help or advice will be much appreciated. Please help me.

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