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Originally Posted by woj
Sometimes the obvious solution is not the best. If you do this then the fact that you have defaulted in the past stays on your record, with some negotiation you can have the company remove it and end up with a completely clear record.
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i had heard i could just pay like 75% of what i owed and pay it all at once, but the guy on the phone said it would still be on my credit then. i want to have it done with and i have the money now, but it seems like that will leave my credit bad.
they also want me to sign a thing saying i agree to let them add 18.5% collection costs. they say i agreed to that when i took out the loans, but it seems like they wouldn't need me to sign agreeing if that's the case.