DC taken on debt....

[echat11]

The link to the letter offering payment (https://nationaldebtline.org/sample-...tlement-offer/) suggests I ask them to make changes to my credit file to reflect the settlement - there isn't anything on my credit file, and I am concerned by requesting the make such a change I might be creating the very scenario I want to avoid? Would it be best to let sleeping dogs lie and continue to make very nominal payments? I am of course in your hands regarding advice!

You need to amend the template, remember there is nothing on your credit file, so they can't add 'fully satisfied' or 'partially satisfied' as it stands. You could amend the letter to Payment can be made provided you can confirm in writing that no markers or information will be added to my credit files?'