Got a question... What do you think of Prime Prepaid Discover Card by IDT? Thanks in advance for any answer or 2. My other question... Ok, here's the new letter i'm sending them. Any suggestions/corrections will be much appreciated. Thanks again, everyone.

"I received your last response outlining the terms of the settlement on 12/31/2009. Your letter stated that the payment for the agreed settlement amount of $745.06, in exchange for deletion of your company€™s trade line from my credit report, must be received by 12/31/2009. This is obviously impossible given that the letter was received on 12/31/2009. Please prepare a letter on your company letterhead explicitly agreeing to the following terms..

The settlement offer is $745.06, in exchange for (1) FULL SATISFACTION of the debt, (2) a promise not to re-sell this debt, and (3) deletion of all references to this account from any and all credit reporting agencies (Equifax, Experian, and Transunion). At least fourteen days time must be allowed for receipt of good funds towards this debt..

After receiving confirmation that you agree to the aforementioned terms, certified funds for the settlement amount of $745.06 will be sent to Image Receivables Management, LLC within 7 days..

The purpose of this settlement is merely to have this item removed from my credit report. It is not to be construed as an acknowledgement of liability for this debt in any form..

Please address all correspondence regarding this account to:.

MY NAME.

MY ADDRESS "..