Whats better on a credit report? Paid-in-full OR Settlement? - GoFuckYourself.com

fuzzylogic · 01-18-2007, 04:52 PM

supply ur

plz

After Shock Media · 01-18-2007, 04:57 PM

Each agency grades different for the same thing.

However if you are speaking of a item that was either late or went to collections. Paid in full is better than a settlement.

boneprone · 01-18-2007, 04:58 PM

Stupid question..

What do you think??

Think about it......

Wagerboy · 01-18-2007, 05:20 PM

You might as well have a full charge-off on the report...Settled for less then amount due is VERY frowned upon.

avalanche · 01-18-2007, 05:25 PM

Paid in Full everytime!

VeriSexy · 01-18-2007, 06:23 PM

Quote:

Originally Posted by avalanche

Paid in Full everytime!

I agree

JayDeeZee · 01-18-2007, 07:42 PM

My Fiancee is a bill collector

She says once you've defaulted to R9 there's no recovering the status. Paying an account in full may increase your fico score by a few points, however, She'd recommend you save a few bucks and go with the settlement.

How much are you settling for? 25%?

Hit me up if you want more advise

reynold · 01-18-2007, 08:48 PM

Quote:

Originally Posted by avalanche

Paid in Full everytime!

Good point.

EscortBiz · 01-18-2007, 08:56 PM

ok just went thru cleaning my credit and found out a few very interesting things

but number one a big factor in everything is how old is the debt, the more it ages the less it effects your score and even upon a personal review they really look at the past 18 months for both good or bad.

Now if you are now going thru the process of buying a home right now and not in the next say year or so you have no reason to go nuts over the few points it will hit your credit.

If you are then you have to know that a few points might put you under a lenders score and can mean $1000's of dollars a year extra depending how big your home loan is in interest.

Here is something that many dont know if you have a credit card that doesnt report limits because either a) it has no preset limit aka the amex black or b) its a capitalone that dont report limit expect that to hit your score 20 points, capital one is now being sued for that

http://www.google.com/search?hl=en&l...credit+scor e

Spunky · 01-18-2007, 08:58 PM

Paid in full of course

Wagerboy · 01-18-2007, 09:46 PM

Quote:

Originally Posted by JayDeeZee

My Fiancee is a bill collector

She says once you've defaulted to R9 there's no recovering the status. Paying an account in full may increase your fico score by a few points, however, She'd recommend you save a few bucks and go with the settlement.

Thats not true at all. A settlement is viewed just as close to the same as a full chargeoff. Paid in full is just that, paid in full. The points difference is quite a bit different.

BitAudioVideo · 01-18-2007, 10:57 PM

neither, dispute it and get it wiped off. if they dont wipe it off, dispute it again.

thebossxxx · 01-19-2007, 01:08 AM

Obviously paid in full!

Wagerboy · 01-19-2007, 04:50 AM

Quote:

Originally Posted by BitAudioVideo

neither, dispute it and get it wiped off. if they dont wipe it off, dispute it again.

lol..and everytime you do that, your current update date on the tradeline updates. Keep doing it, it marks ur report everytime, Im sure creditors will be lining up for your business...maybe a wal-mart card?

fuzzylogic · 01-19-2007, 04:55 AM

Quote:

Originally Posted by Wagerboy

You might as well have a full charge-off on the report...Settled for less then amount due is VERY frowned upon.

u have posted in here 3x
where do u get ur information from?
it contradicts other posts in this thread.
but since u posted 3x, i assume u will be back for a 4th ;)
and thus i ask u that question -- with love of course!

illeana · 01-19-2007, 04:59 AM

paid in full always

borked · 01-19-2007, 06:17 AM

no credit card for me

01-18-2007, 04:52 PM	#1
fuzzylogic Confirmed User Join Date: Jun 2004 Location: buffalo, las vegas. icq: 285808879 Posts: 4,796	Whats better on a credit report? Paid-in-full OR Settlement? supply ur plz

01-18-2007, 04:57 PM	#2
After Shock Media It's coming look busy Join Date: Mar 2001 Location: "Ph'nglui mglw'nafh Cthulhu R'lyeh wgah'nagl fhtagn". Posts: 35,299	Each agency grades different for the same thing. However if you are speaking of a item that was either late or went to collections. Paid in full is better than a settlement. __________________ [email protected] ICQ:135982156 AIM: Aftershockmed1a MSN: [email protected]

01-18-2007, 04:58 PM	#3
boneprone Hall Of Fame Industry Role: Join Date: Jan 2001 Location: Portland Oregon USA Posts: 34,415	Stupid question.. What do you think?? Think about it...... __________________ Industry Hall Of Fame Legend Mike Jones Bow to the Power - Still BP4L http://gfyawards.com/hall-of-fame Learn about it kids.

01-18-2007, 05:20 PM	#4
Wagerboy Confirmed User Join Date: Jul 2006 Posts: 2,290	You might as well have a full charge-off on the report...Settled for less then amount due is VERY frowned upon. __________________ The Main Program That Makes Me Fucking Money!! Teens Getting Pounded

01-18-2007, 05:25 PM	#5
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01-18-2007, 07:42 PM	#7
JayDeeZee Confirmed User Industry Role: Join Date: Aug 2006 Posts: 3,595	My Fiancee is a bill collector She says once you've defaulted to R9 there's no recovering the status. Paying an account in full may increase your fico score by a few points, however, She'd recommend you save a few bucks and go with the settlement. How much are you settling for? 25%? Hit me up if you want more advise __________________

01-18-2007, 08:56 PM	#9
EscortBiz Fuck Checks, CASH only! Join Date: May 2002 Location: New York City Posts: 19,422	ok just went thru cleaning my credit and found out a few very interesting things but number one a big factor in everything is how old is the debt, the more it ages the less it effects your score and even upon a personal review they really look at the past 18 months for both good or bad. Now if you are now going thru the process of buying a home right now and not in the next say year or so you have no reason to go nuts over the few points it will hit your credit. If you are then you have to know that a few points might put you under a lenders score and can mean $1000's of dollars a year extra depending how big your home loan is in interest. Here is something that many dont know if you have a credit card that doesnt report limits because either a) it has no preset limit aka the amex black or b) its a capitalone that dont report limit expect that to hit your score 20 points, capital one is now being sued for that http://www.google.com/search?hl=en&l...credit+scor e __________________ Spanking, Medical Fetish, Sleeping, Strap-on Anal Lesbians, Girls Fucking Guys, Handjob site REAL HOT, Shemales, Anal and Ass Licking sites 100% Real EXCLUSIVE with amazing retention, ccbill payouts, lots of content FREE FTP HOSTING Promote the largest and oldest member paid escort site, Converts 10 times better then any dating site, CCBill payouts ICQ# 158802076

01-18-2007, 08:58 PM	#10
Spunky I need a beer Industry Role: Join Date: Jun 2002 Location: ♠ Toiletville ♠ Posts: 133,944	Paid in full of course __________________ *YOUR INFORMATION HERE*

01-18-2007, 10:57 PM	#12
BitAudioVideo Confirmed User Join Date: Jul 2005 Location: USA, Georgia Posts: 1,246	neither, dispute it and get it wiped off. if they dont wipe it off, dispute it again. __________________ Hi-Quality Encoding - Bulk Orders - On Time! http://bitaudiovideo.com icq 50476697 - aim n3r0xXx

01-19-2007, 01:08 AM	#13
thebossxxx Confirmed User Join Date: Dec 2005 Posts: 3,209	Obviously paid in full! __________________ www.IncredibleDollars.com $50 PPS w/Trials 60% *Rev Share 60% w/no Pre checked cross sales! & and If pre checks are crossed you get $50 bucks! www.IncredibePass.com www.TitsandAssPass.com 100% Exclusive content guarenteed! Glenn at Incredible dollars dot com Our Best Converting sites: BTCA, Hot60Plus HairyNaturalGirls Sororitysistas, Sweetyurizan, Bbwdepot Blackbootyinvasion AriaValentino BigBoobsfatBooty UnivesrityBubbleButts Momsacheater Arabstreethookers whitecicksinblackchicks AsianchicksAmericanDicks

01-19-2007, 04:59 AM	#16
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01-19-2007, 06:17 AM	#17
borked Totally Borked Industry Role: Join Date: Feb 2005 Posts: 6,284	no credit card for me __________________ For coding work - hit me up on andy // borkedcoder // com (consider figuring out the email as test #1) All models are wrong, but some are useful. George E.P. Box. p202