Posts Tagged ‘ settle ’

Using your credit report to compile a complete list of your creditors and debts

Dear Experian, How do I find out what I really owe and if any creditor will settle for less if I can pay off the balance? Can I get a list of all my creditors from you? - CYD

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Intentional late payments for debt settlement will damage credit scores

Dear Experian, I am considering signing up with a debt settlement company. They told me that in order for them to negotiate the best deal with my creditors I must refrain from paying my bills for more than 90 days. Won’t this negatively affect my scores? - TND

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Collection account added after declining settlement offer

Dear Experian, A debt collector contacted me about a debt that isn't on my credit report. If I don't pay him the settlement offer he proposed, can he then add the account to my report? - RBL

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Settling a debt will hurt credit scores

Dear Experian, Does it hurt my credit score if I settle my account? - EWH

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