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lol... go 3 months without paying and you have not only a 90 day late reports, but a 60 and 30. that 750 score is now 575. Sign an agreement they wont report it to your credit? Yes, they want a paper trail for the bank fraud and consumer reporting fraud so that their billion dollar company can get your $3500...Forgot the mention that your "perfect credit" will show in big letters under that tradeline, "creditor settled for amount less then due" You wont get a sears card for $500 for 7 years after thats reported. What a fucking retard some people are, seriously.
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