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The majority of the time, a debt is reported as settled even if it’s reduced interest because the consumer didn’t pay as agreed, but they could agree to report it as paid in full. If the full interest amount agreed to in the contract is not paid, they have settled the debt, not paid it in full, so that is what is generally reported. Debt settlement involves accounts being reported as settled for less than originally agreed. Settled accounts can harm your credit scores. Newsroom Credit Solutions Best for Average Credit Incorrect dates. Commercial Real Estate Banking Lexington Law Cost: Lexington Law has an initial fee of $99.95, plus $10 so they can pull your credit reports. After that, it is $89.95 a month for the basic package, as well as a paralegal that gives you other ways to help raise your credit score and deals with your account. There are upgrades if you want more features: the Concord package, at $109.95/month, and the Concord Premier package, which is $129.95/month. How to Establish a Credit History Debit Card Policy Business Intelligence May get a lower rate on your original mortgage Open an Intuitive Investor® Account Lin says your standards for weighing the results need to be established before you start running credit reports. NCUA Share Insurance Only you can repair your credit through discipline and through direct contact with your creditors and with the three credit bureaus. F. A. Q. you see this chat button! Credit repair companies promise the sun and the moon, but they may instead be taking you for an expensive ride. (Bernstein, J.)(2011, Sept. 3). Nicolas Cage, Compulsive Spender. 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