Should I negotiate to pay this debt
I have a $950 student loan that I KNOW I paid off (but can't find the paperwork to prove it). The loan was almost 20 years ago, so it's not on my credit score. I need to keep it that way.
I can't prove the debt isn't mine, so I want to settle with the collections agency. My questions is this. . . .
If I try and settle this debt, can they report it so that it will appear on my credit report? Will it "update" the debt, negating the 7 year drop-off rule?
Can I tell them that I do not acknowledge the debt is mine, but I want them to leave me alone so I'm willing to pay part of it, and then ask for a letter stating that the debt is paid in full so that I don't have to deal with this EVER again?
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