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I am one of the ex-Sifxpert victims now trying to handle my accounts on my own. I have some general questions and am hoping someone can help me:

1. I have heard that it is better to wait till the end of the month to settle because the cc companies are more "desperate". Is this really true? Have I broken some golden rule by attempting to settle these accounts in the first two weeks of the month?

2. Has anyone ever settled an account and had a creditor remove derogatory remarks from the trade line? I realize that settling in itself will leave "settled" on my report, but am not sure how much worse that will be perceived as opposed to "paid in full". Should I have held out for some sort of agreement that addressed the credit report issues?

Thanks in advance for your help!

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