I wouldn’t worry about calling

Credit score

I wouldn’t worry about calling any of the creditors as most do not keep accurate records, or any records at all of phone conservations.

You should keep your communications to the creditors in writing making sure that you keep copies for future reference. This put the history in some form of “provable” form in case it comes to some sort of a lawsuit. You can show the judge that you have made every attempt to handle the situation.

Also when you call that gives them a chance to try to exploit any weakness and get you to pay more. Talk to the creditors on your terms and never theirs.

I think they negotiate a settlement with me. However, I did that and it doesn’t reflect well on the credit report. Even though we pay it off, it still shows as a bad debt. I think it is unfair but it does.