Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Credit Report
Profile Image

Question By
MsLaReux

0 Contributions
0 People Helped
Removing a debt that is less than $500
I wanted to ask the community a question. I have a debt that is $270. Can I just pay it in full and have it taken off my report or is there steps I have to take? This was back in 2011 I believe and I would like it off so my credit standings will be good. Its for a utility company, so should I just call them and pay them or should I do something else? This is my first time dealing with my credit so I don't know really what to do.

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW
All Responses

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
7374 Contributions
3813 People Helped

Please read the articles here so you can learn how to negotiate a 'pay for delete' agreement.  You have to do this in writing and keep copies of all communications so you have proof of what was said by both parties.  You won't have proof with phone calls.  The utility company does not HAVE to agree to a 'pay for delete' arrangement, but it doesn't hurt to try.

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.