Larry Horton negotiated with Commercial Recovery Systems, Inc. , to settle a debt. Commercial sent Horton a letter saying $1,000 would be accepted as full and nal settlement of the $25,038 owed. The letter continued, "This offer will be extended through June 30... after which time the full balance will be due. [n addition, all derogatory credit information regarding the account to the settled...Terms: $5000.00 due ms...s. $500 due HBO..." 0n the June 18, Commercial received a $500 check from Horton dated June 14. On July 2, it received a second $500 check dated July 2?. Two years later, Horton found out his credit report still contained adverse information concerning the account. Horton sued, saying Commercial had not complied with its contract. Commercial argued its letter offer had not been accepted because the only way Horton could have accepted was by making full payment on or before June 30. Had Horton accepted the letter offer