Can A Creditor Negotiate A Credit Rating?

Yes. The next thing you should do is negotiate their credit rating. This is very important as a "paid" collection is negative to a credit rating as an "unpaid collection", making all negotiation efforts and hard cold cash will do nothing to rebuild a credit report.

The information on this page is meant to provide a general overview of the law. The laws in your state and/or city may deviate significantly from those described here. If you have specific questions related to your situation you should speak with a local attorney.

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