Thread: Should I pay American Express or the collection CA

I would take the settlement, because odds are AMEX will not even consider settling your account because they no longer own it, it has been sold off. I had this same type of thing happen to me and I thought I could go strait to the creditor and skip the collector, well I told the creditor that the collector refused to accept my payment and I needed to get it paid. They took my money report the account paid, but DID not remove any negatives on the account, well the collection agency after finding out that I went "over" their heads to pay the account decided to report it as a collection account, I have to prove the account was paid and they changed and reported it as paid but it still sits as a collection account...so looking back, I would have taken the settlement and did a pay for delete.