Posts: 94
Registered: ‎03-12-2008
P.I.F, settle or wait them out????
I'm trying to decide if I should start making payments on some of my debts to lower the balance or if I should just call and negotiate settlements. Does anybody know if when I pay a settlement will it hurt my score or will it start the debts all over again if I PIF or settle? What should I do?

Starting Score: 1/2011 TU 539 EQ 481
Current Score: 2/2011 TU 542 EQ 489 EX 505
Goal Score: 620+

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