I have a broken lease on my credit report.The collection agency refuses to negotiate for a lower settlement.The SOL expires in 2011.Should I just wait until then to send a PFD letter?Please help I would like to remove as soon as possible.

 

I got all of my free credit reports last year in the summer so I am not due for new ones for a few more months.  What can I do until then where should I go for a copy?  I did just apply for car loans would I be able to get free ones because of denials from the apps?