I have a credit card that i have several lates and missed payments on. I paid the debt off as a settlement about a month ago, and yesterday the status on my report changed to “Paid as agreed” But its still showing as a negative account, is that because of all the lates payments?

 

 

Also, I settled the debt for 30% of the original balance. Is it possible to call them and offer them the 70% as a instant lump sum to have them remove all negative information on my credit report?

Message Edited by ineedahome on 03-09-2010 04:26 PM

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