Phoenix Management XXXX ... Debt Collector contacted me about XXXX separate online Music supply stores. XXXX was XXXX XXXX. {$230.00} EA. AND THE XXXX ONE WAS XXXX XXXX # XXXX for {$500.00}. I told the guy on the phone, I would much rather pay the exact places back because I had a Music credit card with them and I did n't want to permanently lose my credit. He said, '' Well, if you start a payment plan with us, It will keep your National credit clean and these XXXX accounts will fall off your credit. Everything 's going as planned. The XXXX XXXX get paid off and drop right off my credit. Then XXXX XXXX # XXXX for {$500.00}, After an additional 6 weeks than normal and 15 fax 's, The balance is XXXX but the {$500.00} credit that has been as hard as building a PYRAMID! IS STILL THERE? i PAID XXXX % TO HAVE IT CLEANED UP AND INSTEAD GOT XXXX % CLEANED UP. THEY CAN EITHER " CLEAN UP '' THE OTHER {$500.00} AND MARK IT UNPAID AND SEND IT BACK TO WHERE THEY GOT IT. ME! sINCE THEIR XXXX % BUYING % PRICE= {$150.00} A ) OR B )