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binkybear | If you settle with a credit card company. Can they put on your credit report you paid in full.? |
Instead of them putting settle on your report. |
 |
 
$m¤¤v¥ £¤¢¤
|
It's not impossible, but it's highly unlikely. I posted 4 links below to a website that actually explains this. Depending on how much and how old the debt is, you could be able to make this happen.
(read below) |
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becca9892003
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they will put settled for less the full amount....but will still be considered paid |
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hnm
 |
make sure you ask for a certified letter requesting that you settled account in full and keep it the rest of your life. they have a way of "forgetting" u paid in full. then check out these site
http://www.daveramsey.com/etc/cms/baby_steps_2867.htmlc
http://www.daveramsey.com/media/pdf/fpu_babysteps.pdf |
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Sgt Big Red
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If you mean they "settled" for a lower amount than what was actually owed, then the answer is yes, they will show it paid, but at an amount lower than what was owed.
They will then list the un-paid portion as a "charge off" on your report which will be a negative report.
If they send you a letter stating that they accepted the payment as "in full" then you should contact the CRA's and provide them with a copy of the letter
Hope this is helpful. |
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Thermoguy
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If you are settling stipulate the terms or get them to clarify the terms for you in writing.
If it has gone to collection, the lender has written off the debt and offers the collection agency 50%(or whatever) if they collect.
Be careful with your credit because would you lend to someone who is going to run from the debt or pay 50 cents on the dollar? No
When you use credit, the credit bureau access the information every month to see if you paid on time and lenders like to see you being responsible.
Be safe |
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dawsonshan
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They can but probably will not. |
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Ask M
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if it is a collection agency and they bought the debt, what
papers did you sign that said you would pay them???
www.creditinfocenter.com
buddhibbs.com |
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Ginger R
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That's a good question. It depends on the company. Write to them and request that they list it the way you want. If they won't, "settled" won't hurt you. It's the unpaid, outstanding balances that really hurt your score. |
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Matthew O
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If you go eat at a restaurant, would it be OK with you if the health department put an A on their report, instead of the "Failed due to cockroaches in the drinking water and rat feces in the omelette" rating they actually earned?
Where do you people come from, with these questions? "Is it OK if I steal?" "If I stab my baby in the chest, can I still get a bonus from my welfare agency for being a good parent?" |
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littleshit50
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yes you can |
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