Back in 2008 I obtained an Payday loan. I then had to file for bankruptcy and then it got dismissed. Most of my debt form that bankruptcy it appears on my credit report. I attempted to pay this off as it states on my credit report that I owe {$130.00} to clear this off. I called to pay this off and clear the debt. They refuse to take the {$130.00} that they are reporting and now they want me to pay over {$500.00}. I have all the emails and correspondence of this attempts to settle and their response. I then decided to go to the office since I thought I could be easier once I was there to try to settle this matter XXXX more time. This was not possible and instead they claim they will settle with me for the amount of $ 300+. I informed them that this debt has been since 2008 and it would soon fall off my credit report but that I wanted to make the attempt XXXX more time to settle. They are reluctant in any changes. What upsets me is not only that I am trying to clear this off but that they provide the incorrect information and they still are adamant about settling. Why do they report XXXX amount and then ask for another? They claimed that if I did not settle for the amount they are asking that they will NEVER clear the title on the vehicle. I do not use that vehicle but all I want is to remove it from my credit report to improve my credit.