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 07-30-2006, 10:41 AM         #63
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 kat717 said
Yeah, my friend works for the Bank of America and she said you should never settle on one payment just pay off the entire thing. Because if you settle for less of the payment they will count it as not finished out.
not true. it will say on your credit report, "account settled for less than balance." This is acutally negative on your credit report but you can easily dispute that to read "account paid in full." Most companies will not waste time sending in info to dispute some wording. i have gotten that one disputed many times and it came back right.