Whats up everyone! 1st Time poster here! Alright, I have a FICO range of 617-631 w/ all 3 CRAs. Debts are $36K in student loans, $3700 in car loans will pay off in 8mths, 1 CA account of $405, about 3 settled CC accounts. If I pay the CA amount in full, will it be a (+) on my FICO, OR if I settle the amount for less ($270) will it be a (-) on my score. I just got in the 6s and want to stay. You guys here are really inspiring. I, too, will be a member of the 700 club one day! Good luck to everyone in their Credit Reparing efforts!
