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Additional Details
for those of you who are not ... |
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 I can not a pay my credit card got no insurance on it? |
| IVE NO INSURANCE ON MY CREDIIT CARD IF I LOSE MY JOB AND I CAN NOT AFFORD TO PAY... |
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This appeared on amazon;
Important Messages
The credit card number you entered was invalid.
The data you entered for the payment method was invalid. Please re-enter it and ... |
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jen | Paid off a delinquent credit card that had gone to collections...? |
They said it would be marked as "paid" but once I agreed to their payment plan, they said it would be marked as "settled."
I did settle for half of what they claim I owed.
Will it look worse on my credit report that it says "settled" or is it just gonna look bad regardless cause it got so delinquent?
Did paying it off help my credit? If not, when will it?
Additional Details
Yes, the terms are in writing but it just says the amount and that it will be considered the whole amount owed... not the wording they will report to credit agencies. |
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Anjell
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They snagged you with their terminology...the letter does say "settled in full"...so that's what they wrote "settled". They're evil but not stupid. The letter should have said "paid in full". They are 2 different things. Paid in full is better than settled but there's nothing you can do about it now. Keep your accounts paid and up to date from now on and don't max out your credit cards...keep usuage below 25%. If you don't already have one get a secured credit card for like $500-1000 and keep a perfect repayment history...this will help your score in 6-12 months |
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tetlitea
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It's going to look worse for being settled but better than if you didn't pay it at all. You can't do anything about the past so from this point on just pay your bills on time. Credit reports show the last 7 years so that's how long it should still show. |
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ladolcediva
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with credit cards, its gonna look bad regardless because you let it get to the point where it went to collections. So even tho its paid off, or "settled", its still a negative on your report |
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Jennie
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No matter what, you are going to have to wait 7 years until it gets off of your credit. You have more leverage with the company who put it on your credit in the first place to take it off sooner if you pay the whole thing (it really depends on how good of a talker you are) but once you settle, you "SETTLE." It's going to be there for 7 years.
Be more careful next time...and always, always, always pay the minimum if nothing else. It's a hard lesson to learn, and it's a long time to be "grounded" for.
Peace. |
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i and i
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keep calling them and ask them to put paid. it makes a difference. they can easily change it for you. keep trying you will eventually get a person that will change it. it helps your credit in the long run, your still considered a risk. but honestly credit companies like people who are late rather than a person who pays on time. they can collect more money on delinquent payments. |
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Dont_taze_me_bro
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To what did you agree to in writing?
(You did get this is writing, right?) |
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An0nym0us mAn1Ac
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You should call the credit people and make sure the credit card company reported your payment or settlement. Sometimes they don't report that you've paid it and it stays on your credit report.
You will also be able to see if anything else is affecting your credit. |
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angel_baby
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I did the same thing and it goes off your credit report 7 years from the date you opened the account so don't even worry about it. Just make sure you pay your bills on time now and if you can pay more than the minimum amount because your credit score will go up which is really all lenders look at to determine how much you can borrow and determine interest rates on loans. |
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nite_angelica
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It's always better to pay off an account - having unpaid, past due balances is horrible for your credit.
Paid is better than settled, because they know you paid less than you owed. Did you have them send you some type of letter that stated they would make the debt 'paid'? |
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Fiorella
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Paying off or settling any debt that's on your credit report will boost your credit score sometimes you won't see the change right away it can take a few months. |
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