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settle?, pay it off?


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Posted by real rookie (64.173.25.51) on June 30, 2003 at 22:59:39:

hi
i basically have no knowledge on this credit system and still have a debt($2100) to pay. Please help me.

Today collection agency called me and offer settlement, which i pay $1575 by beginning of next month or pay full amount using stretch pay(about 3month). I was going to take the settlement but he said I might want to pay them full if I want to save my credit. I am frankly pretty confused. which one should I choose?
I have enough money in my bank to pay them full now. but if i can finish this by taking the settlement(cheaper), that would be ok too.
I don't know how much "settled" and "paid in full" make a difference in my report. please help me.
thanks.


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