Hello,
Beneficial offered me a ???settlement??? on a debt. In 2009, their collection agent sent me an offer agreeing to accept 1400.00 as payment in full on the last 2000.00 I owed. I accepted it and paid it right away. The account status was reported incorrectly and I disputed it and they changed the payment history. I disputed it twice again and each time, they changed the payment history and the CRA would send me a letter saying the account had been updated.