Charge Off Question

[DebtJoe]

So just an update. Just got off the phone with Target and of course they won't even entertain the idea for a PFD.

I can either pay the account in full, or settle for less. Will settling for less hurt me in any way? Target has been reporting my account as "Failed to Pay" every month for years, so just wondering what the difference would be between paying in full and settling for less at this point in the account's life.

[Anonymous]

Paying it is really all that matters at this point. Scirewise it’s the same whether PIF or settled. Only time it may matter is if you have an underwriter manually reviewing your file - PIF usually is more reassuring to them.

[DebtJoe]

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@Anonymous wrote:
Paying it is really all that matters at this point. Scirewise it’s the same whether PIF or settled. Only time it may matter is if you have an underwriter manually reviewing your file - PIF usually is more reassuring to them.

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I went ahead and paid in full.

Here's hoping for good karma lol.

[MyDataMyChoice]

After it updates to paid in full

Dispute the lates...