Fico Score

[maminityj]

how would agreeing to settle for less than the full amount on my credit card affect my fico score

[Anonymous]

Unless they also agree to remove the negative entry, there would likely be no impact.

[SouthJamaica]

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@maminityj wrote:

how would agreeing to settle for less than the full amount on my credit card affect my fico score

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It can sometimes be terrible, because it shows up as a "writeoff".