How do you find one of these companies?
Look on Craigslist in your city in the business or financial section.
never pay your old debts if you're tryna boost your credit score smh
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Look on Craigslist in your city in the business or financial section.
Black Cac
neg me if you love white women
Lol my grandma sent me that book. Don't even know where I put that shytAll you need to know is in this book
If I knew you personally I'd buy it for you I've cash flowed $25k worth of expenses in two years with under $60k income and am on schedule to pay off $42k worth of student loans in 3 years, all done following the plan in the book
I give them away all the time when people see my money straight and ask me what I did
grandma loves you
Fade Runner 2049
Veteran
Making arrangements to only pay half of a debt you may have reflects bad on your score, paying in full is better
who pays your debts if you dead?
How do you know if they've been charged off or not? 
Idk where you getting your info from about it not affecting you, I just bought a house 5 months ago and when they ran my credit they asked me about defaulted student loans (which I eventually paid off) from 13 years ago
You have a debit pay it off is my motto, save cash buy everything cash, you don't need a high credit score to buy a house. Staying in debit is not the way to go, just think about that cycle, the only way you can borrow money is by owing money?
Dont worry coli financial advisors will come in here soon enough agreeing and bragging about there fake reward points[/QUOTE]
I get ~$500 a year in rewards from using my credit cards, and so does my wife.
If you're going to pay cash anyway, the smarter thing to do is to charge it and get the points so the bank essentially pays you to use their card.
Field Marshall Bradley
Veteran
I just paid 5k worth of credit and loan debts back from when I was in college, just to find out since the accounts were "charged off" paying the debts off won't help my credit score in anyway pretty much.
shyt could only benefit you in a possible case like I'm trying to get a home mortgage and an individual loan specialist may look and say "Oh you paid you debts in full good job, I'll take note of that". But @ 23 I'm nowhere close to being in that scenario.
And outside of that, it doesn't do shyt, I would have been better off just ignoring the debt for 5 more years and telling any debt collector that called "I don't know what you're talking about, eat a dikk", because if you make a payment toward the debt or even acknowledge it you run the risk of resetting the 7 year countdown for the debt to be knocked off your credit.
At the same time the companies won a judgement against me and that shyt allows them to do a lot to get their money back, so it's not a complete L, but if you have a debt and haven't had a legal judgement won against you, SAY "fukk THE DEBT COLLECTORS"
I've heard of people harassing the debt collectors into deleting the negative items, after they paid. I might have to try that. If you are thinking about paying, try an negoiate a "pay for deletion" agreement, where they promise to delete the negative item after you pay, get that shyt in writing, record the phone call.
Focus on adding positive shyt to your credit report because that negative shyt most times is gonna remain there for 7 years whether you pay them or not.
Don't learn the hard way.
I wish somebody had put me on game before I made my move
NEVER pay a credit card or loan debt that's 3 years or older... Might as well ride it out.......... You learned at a young age tho, so hopefully this won't happen again
All you need to know is in this book
If I knew you personally I'd buy it for you I've cash flowed $25k worth of expenses in two years with under $60k income and am on schedule to pay off $42k worth of student loans in 3 years, all done following the plan in the book
My grandfather put me on to Dave Ramsey when I was around 17
Credit score is your "I love debt " score
Field Marshall Bradley
Veteran
All you need to know is in this book
If I knew you personally I'd buy it for you I've cash flowed $25k worth of expenses in two years with under $60k income and am on schedule to pay off $42k worth of student loans in 3 years, all done following the plan in the book
That's a helluva sales pitch....
Field Marshall Bradley
Veteran
All you need to know is in this book
If I knew you personally I'd buy it for you I've cash flowed $25k worth of expenses in two years with under $60k income and am on schedule to pay off $42k worth of student loans in 3 years, all done following the plan in the book
Might cop this off the strength of that suggestion
Should have spent one stack on a strap.
You a stain for paying that.
the artist known az
Hail the victors
That ain't true
HookersandIceCream
#TeamOrange
That's just stupid
Your score will continue to be low as hell for another 4 years
Your gonna pay more in interest for everything until it clears off