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WebMost negative credit information, including collections, must eventually be removed from your credit reports as a matter of law. It's in your best interest, however, to pay or settle the debt as quickly as possible. Remember, newer credit scoring models ignore zero-balance collections, while older scoring models do not. WebAug 26, 2024 · Three possible options are a debt settlement, a hardship repayment plan, and temporary forbearance. In a debt settlement, the credit card company agrees to reduce the balance owed in exchange for a lump sum payment. If your balance is $15,000, the company may agree to a payment of $8,000 and “forgive” the rest. slow food ristoranti assisi
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