So for those that remember my thread from a few months ago, I have about 4K swirling around in CC debt. My tax refund should be coming in next week and it will be 1700.
My CC debt is like this:
2200 Capital One
1200 Sears
750 Best Buy
Best buy is on a somewhat normal payment schedule while the other 2 are over 3 months past due and to creditors.
What will help my credit score more? (it's shy of 600)
Calling Capital One creditor and trying to settle for 1500-1700 and get it off the books?
Pay off Best Buy in full & then see if Sears will settle for 800? Thus, taking 2 off the books?
I just don't know what will help more, getting rid of the biggie or attempting to get rid of 2? Will Capital One possibly even settle for less if I'm just like, "look. I'm a full student, I only work about 20 hrs a week, $1200 is all I got and all I can give," and then try the rest to bring Sears down a few hundred.
Any real help and advice is greatly appreciated. Thanks:toast:
My CC debt is like this:
2200 Capital One
1200 Sears
750 Best Buy
Best buy is on a somewhat normal payment schedule while the other 2 are over 3 months past due and to creditors.
What will help my credit score more? (it's shy of 600)
Calling Capital One creditor and trying to settle for 1500-1700 and get it off the books?
Pay off Best Buy in full & then see if Sears will settle for 800? Thus, taking 2 off the books?
I just don't know what will help more, getting rid of the biggie or attempting to get rid of 2? Will Capital One possibly even settle for less if I'm just like, "look. I'm a full student, I only work about 20 hrs a week, $1200 is all I got and all I can give," and then try the rest to bring Sears down a few hundred.
Any real help and advice is greatly appreciated. Thanks:toast: