Originally Posted by Anal Hobbit

Not true.
9 times out of 10 after you settle a debt, you get your credit report a few months later. Protest the blemishes on it and the bank doesnt report back becaue you are done with them.

Thus they remove it from your report.

Even Sex Toy King just said this. However, yes it is true what Sex Toy King said, that other credit card companies during this window can all see what is going on and it will affect your credit with them. They wont report you casue they cant, but they may decrease your credit limit, or increase your APR becasue you are a risk. they may even cancel you.

But who cares. If they do, use this tip on them too. Fuck em all.