I'm kind of new here, I've been reading through forum here and now thinking what's the best course of action for my situation
A collection account from TransWorld popped up on my credit reports this week. It's for $185, the original creditor is Car2Go and it's for a trip I've taken with them in summer 2017. The info on credit reports says Transworld opened the account on August 27, and I've never received any type of letter from them.
I called the original creditor and asked if I can pay them directly, but they denied and told me I should settle the matter with the collection agency directly.
I'm willing to pay this debt in full and I'm thinking to write a debt verification letter to Transworld, offer them a pay-for-deletion and see if they accept it. - So did anyone have success with PFD with Transworld?
Another route I'm thinking to take is to dispute the debt as being inaccurately reported with CRAs- the amount reported by Transworld is off by a few cents from the actual debt amount
And yet a third route would be to call the original creditor again and offer to pay the debt directly to them (which is unlikely they'll accept)
Any advice would be appreciated:)