Which am I better resolving?
Of the two, I called synchrony bank and went back and forth with Client Services (the people who bought the debt) and reached a negotiation of $458. There was no said option to delete it off my credit. They said it will be reported as “settled/paid”.
I was wondering if I could send this to all 3 Credit bureaus and get it deleted/ removed.
T-mobile has been around for a while now as far as I know, and i’ve yet to contact them for a settlement or pay to delete offer.
Ultimately I was wondering which of the two I am better resolving first, and I want a decent Credit Fico Score jump to apply for this backwater apartment which only requires a minimum score of 625 before the month ends. I was homeless without a job for a while and trying my best to recover. In a lot of legal trouble and finally getting the opportunity to grow, and learn from my mistakes.
Landlord was super lenient and understanding.
He wants both of us to apply. My partner has a score of 716 (also recovering, but from credit card debt)
Thank you for the feedback in advance. I am super loopy from calling back and forth. They kept pointing at each other, and ultimately said neither of them can take the Charge-off off my report.