When paying off a CC?

[atl]

Ok, im sick of my $383 debt to Gordons Jewelers @ 27.73 APR. Now, when I pay this off, is there anything I should do, or should I just go give them the money?

I dont really understand the "Paid Off" or "Paid As Agreed". Isnt that a negative or your CR? One of those phrases is a negative and it doesnt even sound negative. Does anyone know what I am talking about? I have had many late payments with this company because of my own ignorance, but I have been on track for the last three months and I have been on time. Is there any way I can negotiate with them what they will report to the Credit agencies after I pay this off? This is not a collection.

THANKS!!!

[Anonymous]

Is this account still open or closed?

[atl]

I just checked on my CR, and it says "Date closed Dec, 2005". I thought closed meant closed as in sending to a CA?

[Anonymous]

Who is reporting the OC  CA or both?  You need to know your DOFD/DOLA   These dates also will tell you if you are within or past SOL.

[atl]

Just the OC is reporting on my CR.

My DOFD was sometime in 07/05, and the SOL for my state is 4 years for an open/written account, so I am not past the SOL yet.

The DOLA was 03/2008, last month.

What should I do? I wouldnt mind paying it off, but I dont want them to put how many times I was late on the report or whatever else they will probably put on it...

Message Edited by atl on 04-17-2008 05:08 PM

[llecs]

I would pay it if it isn't reporting as a charge-off/collection.

[atl]

Do you think they will report something negative if I pay it in full with my past lates?

[llecs]

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atl wrote:
Do you think they will report something negative if I pay it in full with my past lates?

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Not if you are paying the OC and there's no CA involved.