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I recieved a letter from my credit card company saying they would waive half of my account
balance if...? I pay the remaining half. The letter went on to say that they would consider my account paid in full and they will report my account to the major credit reporting agencies as "Account paid in full for less than full balance".
My question is, if I take this offer and pay off my debt for half, will I have credit problems in the future because they will see that my "account was paid in full for less than the full balance"? Is it better for me to work on paying off the enitre balance and skip the half-off offer so my account says "paid in full"? If anyone has done this, or works for a credit agency, and can give me some advice that would be wonderful! Thank you in advance!
There is no fine print. It is simply a letter asking me to call them with a decision on the offer within 30 days.
I do have enough to pay the lump sum.
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