newbie here. I have a charge off on a credit card (it was dumb, I learned my lesson, etc, etc), but my credit reports don't show up with a collections account on them for it. it was a bank of america credit card and the account no longer shows up when I log in, and I have a collection agency calling, but just leaving those "call mr so and so's office".
I need the past due account to go away. It's ok if it stays on my record as "settled", etc, for right now. I know this isn't best in the long term, but I'm in a bit of a time crunch for a student loan, and I can't afford to wait forever. I may be able to come up with enough for a PFD, if the company is willing to do somewhere in the range of 50%, which would be awesome, but at this point, I'm willing to take what I can get.
my real question is: who am I supposed to talk to to see about a settlement? do I call the credit card company that doesn't say I have the account anymore, or this collections agency that may or may not have been sold the debt? what I've read says that I shouldn't be calling them at all, but I don't want to be sending letters somewhere that's going to have no effect.
suggestions?
