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Hi! I got a collection letter November 2012 regarding a gym membership that was supposed to be done by Nov 2011. I called up the collection agency and made payment arrangements just to get it over and done with. I was surprised when I pulled out my credit report because they have reported it despite the "promise" of the agent that they won't report it as long as I cooperate and settle the account. It was a $350 claim, I have already paid $150. My question: what is the better route to take now? Should I just try to pay it off as it's new collection? or should I just let it be so the DLA will stay as Dec 2012? Will I be able to negotiate payment for deletion in Canada?

 

I look forward to your input. Thanks.





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