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How settling a loan vs paying the loan affect my credit?
I have about 6 months left on my 33 month car loan left approximately $1200. I have been on time with 27 months of payments and have never been late with any payments. I was offered by the financial institution to settle the account for a lesser cost then the paid in full amount. I'm able to pay both the paid in full amount or the settlement. I'm want to know which would have a more positive impact for my credit score now and in the future.

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