Well, you know what maybe I shouldn’t say that. We are all different. I have found most of them to be all TALK. I paid when I could and I did. They didn’t get it any sooner or when they wanted it. And when I paid it, I was offered huge settlements 50-75%. So yes, credit is still effected with settlements and with any lates.
A few times I even contacted the original creditors themselves and said I refuse to work with your collectors because they are rude, can you and I make arrangements. They agreed, did and got rid of the collectors. I refuse to pay the additional interest charged by collection agencies…no way. Now that’s highway robbery.