you need to talk to AE by yourself.在付之前尽可能拿到他们的

pay-on-delet agreement.then you can call Tran.to disput.但很有可能拿不到那就让AE给你张收据复印了寄给TR.without agreement you can not totally remove that damage .with receipt the account would be a closed paid account on your report for two more years.but much better than not paid.