Time for my second question! :) I have SEVERAL (I'd rather not say how many, but it seems like a lot to me) accounts in negative standing. Several of them are for smaller amounts ($76, $216). I do plan on paying them all off, but for now I want to start with these smaller ones until I become established in my new job. My question is, does paying these smaller accounts off have any effect on my credit score?

how to find a com pany that will help and not rip you off

Has anyone been contacted by first credit of america or have any info on them?

Are collection agencies allowed to call you at work? I thought that was against the law. What can you tell them when they do?

Is your debt consolidation program free? Is it all done through the phone or can I sit down and talk about my debt with a counselor in person?

Does settlement on charge-off account hurt your CR? Or would it be better from me to pay the whole amount of $950? If I pay the whole amount due how would it appear on my CR? Thanks

Hello! I am new to this forum and I am very excited that I found it! I just got a new job where I plan on making a lot of money, and one of my biggest priorities is cleaning up my credit. My first question: is it possible to do debt consolidation on old medical bills that are already negative items on my credit report? They are somewhat old but still a few years away from coming off the report. Any help that anybody can give me would be greatly appreciated, and I'm sure I'll have more questions to come! Thanks, Mary

I have been paying them for about a year, now i own about $800 is it better to pay it all off,or settle they sent me a settlement letter.

Greetings All, Just received a call from a customer rep from United Christian Financials. We went over all the numbers and I was just wondering if anyone had any prior experiences with this company. Good or Bad? Recommend or Not? They were my contact after joining this site, so should I assume they are legit ? Thanks in Advance, Tony

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