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Save Money, Make Money Challenge

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9/3/2008


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discussion title:
 

Paying off debt makes CS worse?

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message #:
  43.4 in response to 43.1
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  jdonahue1  Member Icon
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  mommy_of_two_boyz  Member Icon
date:
  3/6/2008 11:24 am

I'm curious about this, too.  My credit report it pretty good, but DH's "has issues" 

~Jackie

"Be the change you wish to see in the world" ~ Mahatma Gandhi

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discussion title:
 

Paying off debt makes CS worse?

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message #:
  43.5 in response to 43.2
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  jdonahue1  Member Icon
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  smartypantz81  Member Icon
date:
  3/11/2008 11:57 am

Have you gotten your free credit report(s) lately to see if the bill's still on there?

~Jackie

"Be the change you wish to see in the world" ~ Mahatma Gandhi

Warming Families Volunteer, and cl- of PP's Volunteering Board

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pkuu  Member Icon
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discussion title:
 

Paying off debt makes CS worse?

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  43.6 in response to 43.1
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  pkuu  Member Icon
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  mommy_of_two_boyz  Member Icon
date:
  3/11/2008 1:46 pm

If the bill has been reported to the credit bureau, it can't really get any worse.  Paying it off will only make things look better.

However, the way creditors see it, a bill at that went to the credit bureau before being paid is only slightly better than a past-due one.  Both are indications you didn't mange your money very well in the past.

 
 
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pkuu  Member Icon
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discussion title:
 

Paying off debt makes CS worse?

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message #:
  43.7 in response to 43.3
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  pkuu  Member Icon
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  mommy_of_two_boyz  Member Icon
date:
  3/11/2008 1:48 pm

If the debt is owed, you have to pay, whether it's 9 years ago or last week. 

And as I reminded you before, nothing you SAY to a bill collector matters.  Everything has to be in writing OR IT DOESN"T COUNT.
 
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