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So in your opinion, is is better to suck it up and pay the full amount on the credit card balance, or pay a good deal less to the credit card company and then deal with it being reported to the...

So why do they report it to the credit reporting agencies if it has no affect on my credit rating? The credit card company told me that it would negatively affect me, but I didn't know if that was...

If I work out a settlement amount with a credit card company and they issue me a 1099c on the difference, how does this negatively affect my credit?