Two weeks ago I called a CA and did a payment plan for 1,128.00 five payment, about 200.00 each , I already did the first, Now, I got a new letter asking for a settle for 620.57, I want to show in my CR -PAID in FULL- , no settle, any recommendations,I want to call them and ask to erase a settle.
Starting Score: EQ 566,TU 567 12/2012Current Score: EQ 640,TU 747, EX 705,8/2013
Just talked with them, 510.00 but is no show paid in full in CR, now, what is the big difference in points, if show paid in full or settle.
It looks better to a UW under a manual review of your CR.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
I Asked if I paid in full today if they will delete it, the answer noo, they can't delete, just to inform to Capital that is paid in full, one more year and is going to fall, I think better just take the deal of 510.00 , save 400 bucks, for HSBC small . thanks amigos