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Old 12-13-2007, 01:23 AM   #3 (permalink)
Hedwig
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Join Date: Nov 2004
Location: Greater DC area
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I would say something like:

You claim I owe you $180. I do not acknowledge this debt in any way. However, I am willing to pay the amount in full to clear my credit if you agree to delete all reference to this account from all credit reporting agencies.

Don't acknowledge that the debt is yours.
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