Thanks for the feedback. I am still writing up my letter and everything. I have two on my reports one is for 300 and the other is for 685. I couldn’t decide if i should try and settle for a lower amount. I can’t really afford to pay them in full right now. I was wonder what percentage I should start at or maybe do a pay for delete in full but see if they will set up a payment plan and remove the debt after the last payment is made. What do you think?