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Should I settle out with credit card cos ? And how can I pay for delete?
My credit card accounts have been closed but they are still dinging me with late payments each month. I haven't made a payment in 2 yrs.

I now have the money to settle out for some % of total balance. Is PFD a viable option? Does PFD mean paying entire balance or is this a negotiation?

What is best strategy to repair my credit ASAP?

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