Deal with original creditor or collection agency?

Question

I’ve have charge offs on my credit report that are about 3 years old, would it be better to try and fix them with he original creditor or the collection agency ?

Response

Are they paid? If not, are you looking to pay them? If they are not paid, do not deal with the collection agency! Contact the original creditor and negotiate payoff. There is no advantage to working with the collection agency. Unless the account was out right sold to the collection agency, it’s most likely that the original creditor is simply using the collection agency to collect the debt. Therefore, they will also still work with you directly.

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