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bookman52

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My wife insists on paying the OC and it is my position that we should pay the CA. Help!

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Top Contributor
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Your wife is correct as long as the OC will still accept payment on the account. Contact the original creditor and ask them to pull back the account from collections and have it removed from your credit reports in exchange for your payment on the account. Keep in mind that simply paying the original creditor is not grounds to have the collection account removed, it only has to be marked as paid and that is why you want to get the OC to agree to remove the collection from your reports in exchange for your payment. Do some googling and reading on "pay for delete agreements".

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