I have missed my credit card payments for nearly 5 months. The accounts were sold to a CA in Cullman (AL). I have sent a PFD letter to the CA and they have not given a reply. Thereafter, I called the OC and made a settlement offer. The creditor accepted the offer and I made the payment over phone. Now, that the debt has been repaid, I want to know about my options. Should I ask the creditor to remove the account from my credit report? Should I request the CA?