Pay the collection agency or original creditor?

CpinTX, if you want to deal with the original creditors (OC) and not the collection agencies (CA), you will have to request the OC to pull back the account from the CA. If the OC agrees to pull back the account, first get the agreement in writing. After some days check your credit report for the updation on the accounts. The accounts will now be listed under the respective OCs. Then you can get payment agreement in writing from the OCs, after which you can start making the payments.

However, you should remember that only if the accounts has not been sold off, can the OCs pull back the account. Another thing that you can do to remove the negatives from your accounts is request the OCs or CAs whomever you pay to agree to a "Pay for delete" (PFD) agreement. If they agree to PFD, all the negatives from your accounts will be removed.

Hi cPinTX,

You will have to request your original creditor to pull back the account form the collection agency. Only if the creditor agrees to pull back the account, can you forward the payments to your creditor.

Thanks