Ok. It would be wishful thinking to be qualified at my first meeting, but I feel so much better knowing they will take into account that I haven’t had a “late payment”. I will go ahead and take action to get it resolved now. Thank you so much.
Okay so the last missed payment would have been in late 2015. Then it moved to collections with my first contact being Feb 2017. I never responded but they’ve sent so many emails to show the history. So what I’m gathering is that I should just settle and pay the settlement in full like it was never there?
I don’t have a problem with getting it off. I’m more afraid of my 2 years with no late payments and timing being affected. Even if I pay it off, will it reset my qualification time? Will it affect my on time payments record?