im young and need help regarding pfd

check my credit score regularly and had pretty decent scores on all 3. then i checked my report and it had dropped 100 points in 3 days. I freaked out and disputed these items. They were then marked as negative but closed and then 3 days later reinstated as negative and active.

I called the agency to find out who they were collecting for and they told me that my total debt was $310 but for $50 they would "make this all go away". But the offer only stoof for 2 hours, i had to pay by check over the phone and they refused to send me this agreement in writing. so i hung up

I then sent a certified letter stating that I am diasbled with a very limited income (which is true) and I would like to settle this account at a lower price and I will pay in full and in return want all of their entries on my credit report removed.

was this ok to send? what happens if they refuse? do i send another letter write away asking them to turn the negative accounts into an account that says never late and paid in full. or do i pay them a little and in a few months try another pdf.

I have not paid them anything yet.