Welcome @ascott6182
Yes get them settled so they no longer affect your util %'s. Paid always looks better then owed. Heck I'd even try if you can login still and push a payment to the accounts before CA's hit your reports. Might work. Might not. Who are the creditors your posting about? Congrats on the new job!
@ascott6182 wrote:I have 3 credit cards that went into charge-off status this week. I started a new job and finally am able to pay. These are for small balances between $300 and $650. I called the original creditors pay them off but they wont take payment. They said wait until the collections agent calls me and talk to them. Should I pay in full or settle? The debts are mine, and idk if I want to waste time with going back and forth with validity letters since these are brand new or should I? Im at 505 Experian score, would like to purchase a home in the next year or two.
Just send in the payments.
@FireMedic1 wrote:Welcome @ascott6182
Yes get them settled so they no longer affect your util %'s. Paid always looks better then owed. Heck I'd even try if you can login still and push a payment to the accounts before CA's hit your reports. Might work. Might not. Who are the creditors your posting about? Congrats on the new job!
I second this.
