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Randy6987

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How can I get items deleted that are my actual debt. Without paying in full?

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If a debt is seriously past due, particularly if it has already gone into collections, you can sometimes offer to settle for pennies on the dollar. Or a collection agency will approach you with that type of offer. Be very careful when doing this, however. If the debt is several years old, by agreeing to settle you risk "re-aging" it and having the record of it stay on your credit report much longer than it otherwise would have.

If the debt isn't already desperately past due or in collections, I agree with the earlier answer: you should do everything within your power to keep paying in full. Scrimp and save. Get a part-time job. But pay it. In the long run you'll be glad you did. Bailing out on debt can not only keep you from getting credit in the future, but can even cause you to be refused for jobs, apartments, and other privileges of everyday life.

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