Is settled better then a delenquent balance or should I leave it alone

[pnkgirl25]

I have an old Macys card that has a balance of $488. It is scheduled to fall off my credit report in 08/14. I caontacted them yesteray to see if they would do a pay for delete and they said no. I'm thinking of calling them back and seeing if they will accept 1/2 payment for a "paid in full" or "settled". But my question is, if they don't agree to a "paid in full" status is "settled" just as bad as having the $488 balance on my credit report? I'm trying to bump my credit score?

Thanks

[IOBA]

IMO, it's better to have it reporting at a zero balance.   If you settle for less than what is owed, they may report it was settled, which hurts too.

You could pay it off in full, and then send them a GW letter asking them to remove the tradeline.

A zero balance should help your credit score a little.  Settled would not.

[rckstrscott]

---

@pnkgirl25 wrote:

I have an old Macys card that has a balance of $488. It is scheduled to fall off my credit report in 08/14. I caontacted them yesteray to see if they would do a pay for delete and they said no. I'm thinking of calling them back and seeing if they will accept 1/2 payment for a "paid in full" or "settled". But my question is, if they don't agree to a "paid in full" status is "settled" just as bad as having the $488 balance on my credit report? I'm trying to bump my credit score?

Thanks

---

If the balance is factoring in your UTIL, it will help your score. If it is not factoring into your UTIL, it will not help your score.

-scott

[pnkgirl25]

Hi Scott,

No, the balances are not apart of my UTIL as they have both been charged off. Basically heres the deal. I am trying to get into the really nice apartment. They said I need a min score of 580 credit score get approved. Im at a 560 now. The only thing with balances on my credit score are these two accounts, My thinking is if I pay off these two accounts it might boost me up enough to hit the 560 mark. If not then I migth as well leave them alone since one will fall off in 3-5 months and the other aug of next year. 

Thoughts. 

[TrishN]

why don't you post your credit picture for us to help you

[RobertEG]

No potential creditor wants to see, in your credit report, that you have old, unpaid delinquent debt.  It says you dont pay your debt.

Even upon credit report exclusion, while the fact of the unpaid debt may not be obtained simply by a pull of your credit report, it is still there.

So, in my opinion, it is always best to have no unpaid, delinquent debt.

As to how a debt is satisfied, when paid either in full or settled for less, the result is the required reporting of a $0 debt balance.

However, if a debt is paid by acceptance of less than the full amount, the creditor has the option of reporting that fact to your credit file by way of an additional special comment of paid for less.  While much better than having an unpaid debt, is is never a postive comment to record that fact that you did not fully pay the amount of debt you incurred.

A credit report that shows $0 balance and that does not include that special comment provides no basis for showing that the debt was paid for less.

Thus, I would try to get agreement to not report that additional special comment.  "Paid in full" is not a specific reporting status.  Paid, with absence of a special comment of paid for less equates to an inference of paid in full.

[pnkgirl25]

DIRECT LOAN SVC SYSTEM
Balance:    $0 Date Verified:    09/30/2009
Last Payment    07/08/2008 Made:
Remarks: >PAID COLLECTION< Estimated month and year that this item will be removed: 09/2015

DSNB/MACYS
PO BOX 5609 GREENVILLE, TX 75403-5609 (800) 848-0979 Date Opened: Responsibility: Account Type: Loan Type:
Pay Status: Terms: Date Closed:
Pay Status: Date Closed:
02/22/2004 Individual Account Installment Account STUDENT LOAN
PO BOX 8218 MASON, OH 45040 (800) 243-6552 Date Opened: Responsibility: Account Type: Loan Type:
05/01/2005 Individual Account Revolving Account CHARGE ACCOUNT
Balance:    $455 Date Updated:    06/25/2012 Last Payment    09/01/2007 Made: Original    $455 Charge-off: Past Due:    >$455<
>Maximum Delinquency of 120 days in 01/2008 and in 03/2008 for $152<
Remarks: >UNPAID BALANCE CHARGED OFF<; CLOSED BY CREDIT GRANTOR Estimated month and year that this item will be removed: 08/2014
05/2012 04/2012 03/2012 02/2012 01/2012 12/2011 11/2011 10/2011 09/2011 08/2011
Rating X X X X X X X X X X
07/2011 06/2011 05/2011 04/2011 03/2011 02/2011 01/2011 12/2010 11/2010 10/2010
Rating X X X X X X X X X X
09/2010 08/2010 07/2010 06/2010 05/2010 04/2010 03/2010 02/2010 01/2010 12/2009
Rating X X X X X X X X X X
11/2009 10/2009 09/2009 08/2009 07/2009 06/2009 05/2009 04/2009 03/2009 02/2009
Rating X X X X X X X X X X
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01/2009 12/2008 11/2008 10/2008 09/2008 08/2008 07/2008 06/2008 05/2008 04/2008
Rating X X X X X X X X X C/O
03/2008 02/2008 01/2008 12/2007 11/2007 10/2007
Rating    120    120    120    90    60    30

ECMC
1 IMATION PL BLDG 2 OAKDALE, MN 55128-3422 (888) 221-3262 Placed for
Balance: Date Updated:
Last Payment Made: Original Amount: Original Creditor:
$0    Pay Status: 10/28/2011
>Account Paid in Full; was a Collection< 10/28/2011 10/28/2011
>Account Paid in Full; was a Collection< 10/28/2011 10/28/2011
>Account Paid in Full; was a Collection< 10/28/2011 10/28/2011
>In Collection<
08/14/2008
Collection: Responsibility: Account Type: Loan Type:
Individual Account Open Account STUDENT LOAN
10/28/2011
$3,626 BONY MELLON ELT
ALL STUDENT LO (Educational)
Date Closed: Date Paid:
Pay Status:
Date Closed: Date Paid:
Pay Status:
Date Closed: Date Paid:
Pay Status:
Remarks: >PAID COLLECTION<; ACCT CLOSED DUE TO REFINANCE Estimated month and year that this item will be removed: 07/2015

ECMC
1 IMATION PL BLDG 2 OAKDALE, MN 55128-3422 (888) 221-3262 Placed for
Balance:    $0 Date Updated:    10/28/2011
Last Payment    10/28/2011 Made: Original Amount:    $817 Original Creditor:    BONY MELLON ELT
ALL STUDENT LO (Educational)
08/14/2008
Collection: Responsibility: Account Type: Loan Type:
Individual Account Open Account STUDENT LOAN
Remarks: >PAID COLLECTION<; ACCT CLOSED DUE TO REFINANCE Estimated month and year that this item will be removed: 07/2015

ECMC
1 IMATION PL BLDG 2 OAKDALE, MN 55128-3422 (888) 221-3262 Placed for
Balance:    $0 Date Updated:    10/28/2011
Last Payment    10/28/2011 Made: Original Amount:    $1,611 Original Creditor:    BONY MELLON ELT
ALL STUDENT LO (Educational)
08/14/2008
Collection: Responsibility: Account Type: Loan Type:
Individual Account Open Account STUDENT LOAN
Remarks: >PAID COLLECTION<; ACCT CLOSED DUE TO REFINANCE Estimated month and year that this item will be removed: 07/2015

I C SYSTEMS COLLECTIONS
Balance:    $190 Date Updated:    05/27/2012 Original Amount:    $190
PO BOX 64378 SAINT PAUL, MN 55164-0378 (888) 735-0516 Placed for Collection: Responsibility:
10/18/2006 Individual Account
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Account Type: Loan Type:
Open Account COLLECTION AGENCY/ATTORNEY
Original Creditor:
VERIZON WIRELESS PAYROLL (Cable/Cellular) >$190<
Past Due: Remarks: ACCT INFO DISPUTED BY CONSUMR; >PLACED FOR COLLECTION<
Estimated month and year that this item will be removed: 03/2013

INNOVATIVE COLLECTIONS
PO BOX 3500 TUSTIN, CA 92781 (800) 420-3986 Placed for Collection: Responsibility: Account Type: Loan Type:
02/21/2012
Individual Account Open Account
COLLECTION AGENCY/ATTORNEY
Balance:    $60 Date Updated:    04/17/2012 Original Amount:    $60 Original Creditor:    RIO HONDO
COLLEGE PARKING
(Government) Past Due:    >$60<
Pay Status:
>In Collection<
>In Collection<
Current; Paid or Paying as Agreed $270 per month, paid Monthly for 72 months 05/10/2011
Remarks: >PLACED FOR COLLECTION< Estimated month and year that this item will be removed: 01/2019

RJM ACQUISITIONS LLC/RJM
575 UNDERHILL BLVD SUITE 224 SYOSSET, NY 11791 (800) 268-0623 Placed for Collection: Responsibility: Account Type:
03/30/2012
Individual Account Open Account
Balance: Date Updated: Original Amount: Original Creditor:
$133    Pay Status: 10/31/2012 $133 UNION BANK N A
Loan Type: Remarks: >PLACED FOR COLLECTION<
CHECKING ACCO (Banking) >$133<
FACTORING COMPANY ACCOUNT
Past Due: Estimated month and year that this item will be removed: 01/2014

TOYOTA MOTOR CREDIT CORP
Balance:    $0 Date Updated:    05/10/2011 Payment Received:    $715 Last Payment    05/06/2011 Made:
5005 N RIVER BLVD NE CEDAR RAPIDS, IA 52411-6634 (480) 224-1000 Date Opened: Responsibility: Account Type: Loan Type:
Pay Status: Terms:
Date Closed:
03/19/2005 Individual Account Installment Account AUTOMOBILE
>Maximum Delinquency of 60 days in 12/2007 for $809<
High Balance: High balance of $11,682 from 05/2010 to 01/2011; $11,682 from 03/2011 to 05/2011 Remarks: CLOSED
05/2011 04/2011 03/2011 02/2011 01/2011 12/2010 11/2010 10/2010 09/2010 08/2010
Balance
Amount Due
Amount Paid
$0    $715    $715
$270    $270    $270
$715    $270    $270
$1,224    $1,469
$270    $270
$270    $270
$1,712    $1,949
$270    $270
$270    $270
$2,188    $2,422
$270    $270
$270    $270
PastDue $0 $0 $0    $0 $0 $0 $0 $0 $0
Rating OK OK OK OK OK OK OK OK OK OK
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Balance
$2,648    $2,871 $270    $270
$270    $270 $0    $0

UNION BANK
POB 85443 SAN DIEGO, CA 92186 (800) 358-3370 Date Opened: Responsibility: Account Type: Loan Type:
09/26/2006 Individual Account Open Account DEPOSIT ACCT OVRDRFT PROTECTN
Date Updated:
11/08/2012
Pay Status: Date Closed:
>Charged Off< 06/29/2007
High Balance: High balance of $133 from 04/2012 to 04/2012; $133 from 11/2012 to 11/2012 Account Sale Info: ACCOUNT SOLD TO RJM Estimated month and year that this item will be removed: 01/2014
Balance Past Due
Remarks Rating
Rating Rating Rating Rating Rating
11/2012
$0 $0
10/2012 09/2012 08/2012 07/2012 06/2012 05/2012 04/2012 03/2012 02/2012
$0 $0
07/2010 06/2010
05/2010 04/2010 03/2010 02/2010
$3,092 $270
$270 $0
01/2010 12/2009 11/2009 10/2009
Amount Due Amount Paid Past Due Rating OK OK OK OK OK OK OK OK OK OK
09/2009 08/2009 07/2009 06/2009 05/2009 04/2009 03/2009 02/2009 01/2009 12/2008 Rating OK OK OK OK OK OK OK OK OK OK
11/2008 10/2008 09/2008 08/2008 07/2008 06/2008 05/2008 04/2008 03/2008 02/2008 Rating OK OK OK OK OK OK OK OK OK OK
01/2008 12/2007 11/2007 10/2007 09/2007 08/2007 07/2007 06/2007 05/2007 04/2007 Rating OK 60 30 30 OK OK OK OK OK OK
03/2007 02/2007 01/2007 12/2006 11/2006 10/2006 09/2006 08/2006 07/2006 06/2006 Rating OK OK OK 30 OK OK OK OK OK OK
05/2006 04/2006 03/2006 02/2006 01/2006 12/2005 Rating OK OK OK OK OK OK
PAL TRF C/O X X X X X X C/O C/O C/O
PAL
01/2012 12/2011 11/2011 10/2011 09/2011 08/2011 07/2011 06/2011 05/2011 04/2011 C/O    C/O    C/O    C/O    C/O    C/O    C/O    C/O    C/O    C/O
03/2011 02/2011 01/2011 12/2010 11/2010 10/2010 09/2010 08/2010 07/2010 06/2010 C/O    C/O    C/O    C/O    C/O    C/O    C/O    C/O    X    C/O
05/2010 04/2010 03/2010 02/2010 01/2010 12/2009 11/2009 10/2009 09/2009 08/2009 C/O    C/O    C/O    C/O    C/O    C/O    C/O    C/O    X    C/O
07/2009 06/2009 05/2009 04/2009 03/2009 02/2009 01/2009 12/2008 11/2008 10/2008 C/O    C/O    C/O    C/O    C/O    C/O    C/O    C/O    C/O    C/O
09/2008 08/2008 07/2008 06/2008 05/2008 04/2008 03/2008 02/2008 01/2008 12/2007 C/O C/O C/O X X X X X X X
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11/2007 10/2007 09/2007 08/2007 07/2007 06/2007 05/2007 04/2007 03/2007 02/2007
Rating X X X X X X X X X X
01/2007 12/2006 11/2006 10/2006
Rating X    X    X    X

US DEPT OF EDUCATION
PO BOX 5609 GREENVILLE, TX 75403-5609 (800) 621-3115 Date Opened: Responsibility: Account Type: Loan Type:
Balance: Date Updated: Payment Received: Last Payment Made: High Balance: Original Creditor:
$0 11/30/2009 $0 05/01/2010
$3,552 US DEPARTMENT OF EDUCATION (Educational)
Pay Status:
Terms: Date Closed:
>Account Paid in Full; was a Collection< $0 Single Payment 11/30/2009
>Maximum Delinquency of 120 days in 07/2009<
P O BOX 30253 SALT LAKE CITY, UT 84130-0253 (800) 477-6000 Date Opened: Responsibility: Account Type: Loan Type:
10/12/2012 $0 05/14/2012
Pay Status:
Date Closed: Date Paid:
Current; Paid or Paying as Agreed 04/26/2012 05/14/2012
02/22/2004 Individual Account Installment Account STUDENT LOAN
Account Sale Info: ACCOUNT PURCHASED FROM US DEPARTMENT OF EDUCATION Remarks: >PAID COLLECTION<; ACCT CLOSED DUE TO REFINANCE Estimated month and year that this item will be removed: 05/2016
10/2009 09/2009 08/2009 07/2009
Rating X X X 120
The following accounts are reported with no adverse information. The following accounts are reported with no adverse information. For your protection, your account numbers have been partially masked, and in some cases scrambled.

CAPITAL ONE
Date Updated: Payment Received:
Last Payment Made:
05/13/2011 Individual Account Revolving Account CREDIT CARD
10/2012 09/2012 08/2012 07/2012 06/2012 05/2012 04/2012 03/2012 02/2012 01/2012
Balance $0    $0    $0    $283    $166    $218    $314
Amount Due
Amount Paid
Past Due
Credit Limit
High Balance
Remarks
$0
$0
$300
$314
CBG AID CLO
$0
$0
$0
$300
$314
AID CBG CLO
$25    $25    $25
$25    $218
$25    $25
$100    $125
$0    $0    $0    $0    $0
$300    $300    $300
$314    $314    $314
AID
$300    $300
$314    $304
Rating OK OK OK OK OK OK OK OK OK OK
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12/2011 11/2011 10/2011 09/2011 08/2011 07/2011 06/2011
Balance $163    $288    $258    $0    $211    $252    $295
Amount Due
Amount Paid
$0
$0
$25    $25
$0    $50
$0    $25    $25    $25
$100    $100    $50    $0
PastDue $0 $0 $0 $0 $0 $0 $0
Credit Limit
High Balance
Remarks
$300
$304
$300    $300
$304    $304
$0    $300    $300    $300
$298    $298    $298    $295
CLO
Rating OK OK OK OK OK OK OK

CAPITAL ONE
PO BOX 30253 SALT LAKE CITY, UT 84130-0253 (800) 477-6000 Date Opened: Responsibility: Account Type: Loan Type: High Balance: High balance of $115 from 03/2012 to 03/2012; $283 from 04/2012 to 04/2012; $381 from 05/2012 to 05/2012 Credit Limit: Credit limit of $300 from 03/2012 to 05/2012 Remarks: CLOSED BY CREDIT GRANTOR
02/25/2012 Individual Account Revolving Account CREDIT CARD
Date Verified: Last Payment Made:
05/30/2012 05/30/2012
Pay Status:
Date Closed: Date Paid:
Pay Status:
Date Closed: Date Paid:
Current; Paid or Paying as Agreed 04/26/2012 05/30/2012
05/2012 04/2012 03/2012
Balance $0 $161    $115
Amount Due
Amount Paid
$25
$165
$25
$0
PastDue $0 $0    $0
Rating    OK    OK    OK

CAPITAL ONE BANK USA NA
PO BOX 30281 SALT LAKE CITY, UT 84130 (800) 258-9319 Date Opened: Responsibility: Account Type: Loan Type: Credit Limit: Credit limit of $200 from 12/2010 to 03/2012; $200 from 05/2012 to 05/2012
Current; Paid or Paying as Agreed 02/25/2012 02/25/2012
10/29/2010 Individual Account Revolving Account CREDIT CARD
Date Updated: Payment Received:
05/17/2012 $2 02/25/2012
Last Payment Made:
05/2012 04/2012 03/2012 02/2012 01/2012 12/2011 11/2011 10/2011 09/2011 08/2011
Balance $0 $0    $2    $181    $202    $213    $169    $144    $42
Amount Due
Amount Paid
$2
$0    $2    $15    $15    $15    $15    $15    $15
$2    $181    $25    $25    $25    $25    $50    $50
$0 $0 $0 $0 $0 $0 $0 $0
$213    $213    $213    $213    $213    $200    $200    $200
CBC CLO
PastDue $0
High Balance
Remarks
$213
CBC CLO
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Rating OK OK OK OK OK OK OK OK OK OK
07/2011 06/2011 05/2011 04/2011 03/2011 02/2011 01/2011 12/2010 11/2010
Balance    $97    $145    $151    $152    $200    $197    $148    $149
Amount Due
Amount Paid
$15
$50
$15    $15    $15
$51    $50    $50
$15    $15
$13    $15
$15    $15
$25    $24
PastDue $0 $0 $0 $0 $0 $0 $0 $0
High Balance
$200
$200    $200    $200
$200    $197
$160    $149
Rating OK OK OK OK OK OK OK OK OK

DEPT OF ED / NELNET
3015 PARKER RD SUITE 400 AURORA, CO 80014 (888) 486-4722 Date Opened: Responsibility: Account Type: Loan Type:
09/21/2012 Individual Account Installment Account STUDENT LOAN
Balance: Date Updated: Payment Received:
$1,750 11/19/2012 $0
Pay Status: Terms:
Pay Status: Terms:
Current; Paid or Paying as Agreed $50 per month for 120months, Deferred
Current; Paid or Paying as Agreed $83 per month for 180months, Deferred
High Balance: High balance of $1,750 from 10/2012 to 11/2012 Special Payment: Payment deferred until 01/04/2016 Remarks: PAYMENT DEFERRED
11/2012 10/2012
Balance
Amount Due
Amount Paid
Past Due
Rating
$1,750
$50
$0
$0
OK    OK
$50
$0
$0

DIRECT LOAN SVC SYSTEM
PO BOX 5609 GREENVILLE, TX 75403-5609 (800) 848-0979 Date Opened: Responsibility: Account Type: Loan Type:
Balance: Date Updated: Payment Received:
$12,102 11/19/2012 $0
$1,750
08/29/2011 Individual Account Installment Account STUDENT LOAN
High Balance: High balance of $4,399 from 10/2011 to 10/2011; $12,099 from 11/2011 to 11/2012 Special Payment: Payment deferred until 06/14/2015 Remarks: PAYMENT DEFERRED
11/2012 10/2012 09/2012 08/2012 07/2012 06/2012 05/2012 04/2012 03/2012 02/2012
Balance $12,102 $12,102 $12,102 $12,102 $12,102 $12,155 $12,155    $12,163
$12,163    $12,163
$55    $55
$0 $0
$0 $0
Amount Due
Amount Paid
$83    $83    $83    $56    $56    $56    $56    $55
$0 $0 $0 $0 $0 $0 $0 $0
PastDue $0 $0 $0 $0 $0 $0 $0 $0
Rating OK OK OK OK OK OK OK OK OK OK
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01/2012 12/2011 11/2011 10/2011
Balance $12,099 $12,099 $12,099    $4,399
Amount Due
Amount Paid
Past Due
Rating
$55 $55 $10
$0 $0 $0
$10
$0
$0
$0
$0
$0
OK    OK    OK    OK

DIRECT LOAN SVC SYSTEM
PO BOX 5609 GREENVILLE, TX 75403-5609 (800) 848-0979 Date Opened: Responsibility: Account Type: Loan Type: High Balance: High balance of $4,399 from 08/2011 to 09/2011
Pay Status: Terms:
Date Closed:
Pay Status: Terms: Date Closed:
Unrated $0 per month for 300 months 09/30/2011
Current; Paid or Paying as Agreed $0 per month for 299 months 08/31/2011
08/29/2011 Individual Account Installment Account STUDENT LOAN
Balance:    $0 Date Updated:    09/30/2011
Balance
Amount Due
Past Due
Remarks
Rating
09/2011 08/2011
$0 $4,399
$0    $0
$0 $0
NIR
X    X

DIRECT LOAN SVC SYSTEM
Balance:    $0 Date Updated:    08/31/2011
Last Payment    08/29/2011 Made:
PO BOX 5609 GREENVILLE, TX 75403-5609 (800) 848-0979 Date Opened: Responsibility: Account Type: Loan Type:
05/26/2010 Individual Account Installment Account STUDENT LOAN
Remarks: CLOSED
08/2011 07/2011 06/2011 05/2011 04/2011 03/2011 02/2011 01/2011 12/2010 11/2010
Balance $0    $4,288    $4,288    $4,284    $4,284    $4,284    $4,284    $4,284    $4,284    $4,284
Amount Due
$0
$0 $0
$0 $0 $0
$0 $0 $0 $0
PastDue $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
High Balance
$4,381
$4,291    $4,291
$4,287    $4,287    $4,287
$4,287    $4,287    $4,287    $4,287
Rating OK OK OK OK OK OK OK OK OK OK
10/2010 09/2010 08/2010 07/2010 06/2010 05/2010
Balance $4,284    $4,273    $4,273    $4,273    $4,273
Amount Due
Past Due
High Balance
$0 $0 $0 $8 $8
$0    $0    $0    $0    $0
$4,287    $4,273    $4,273    $4,273    $4,273
Rating N/R OK OK OK OK X

[KevinBlock55]

Hi there, my experience is RJM is real cool with PFD. They were real easy for me. Another note, I have a Macys and Bloomingdales as well. The accounts were never sold but it does report my balance is still with them. It doesnt factor into my utilization if I use the credit score simulator but I have been told it does in fact, hurt your score. Additionally, Macys tends to be a bit forgiving with credit and their CLIs. If you pay it off, it'll help your chances in getting another shot with them further down the line. Just my 2 cents..

[pnkgirl25]

I worked out a PFD with RJM so that one is taken care of. I contacted macys and they said no. I also contacted IC Systems and they also said no. I just mailed of varification letters to both Macys and IC Systems. If I dont hear back from them I will send a PFD via mail. If that does not work Ill pay Macys and try to later do a GWL. As for IC Systems if they dont budge Ill leave it alone since it is scheduled to fall off in March of 2013 anyway.

Next on the list is GWL to everyone else and lots of finger crossing.

With that said. I mailed a GW letter to Toyota asking them to delete (3) 30 day lates. THis account was paid off in 2011. If they do agree to delete them will it boost my score at all? I am kinda stuck in a catch 22 right now. Everything on my credit report (min Macys and IC Systems) is paid but I cant get anyone to give me new credit so I can start to rebuild. I have even applied for secured cards and no luck. I had a secured capital one a few years ago but after having it for a year I called them up to cancel and get the deposit back. This closed the account and my credit score took a major nose dive I called them back to reopen and they said no.

[KevinBlock55]

My experience is that the Toyota lates removed wont help your score UNLESS youre looking for another auto loan.. Regardless, you should be good to go back to them if needed. Glad to hear RJM worked out!