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Originally Posted by tatgrrl
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.
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I don't think you would have huge problems with your credit later even if it stayed. Most places now take into account that you did pay regardless of what your score is. I bought my first car with horrible credit and $5500 cash down, after a year of payments I could get a loan for most anything.