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niftythrifty4

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Should we go back and pay the rest?
My husband and I settled a few debts in hopes that we could improve our credit. We are still shy of the score we are hoping for. My husband wonders if returning to the places that we settled and offering to pay the difference between the settlement amount and the full amount owed would change how it was reported? Would it change from simply "paid' to "paid in full"? And would that raise our score? Basically, should we go back and pay the rest?

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NO

The accounts are now closed after you settled them. Offering to pay more won't change that. If you have current debts or ccs outstanding, pay more into those to lower your utilization. Otherwise you can try to apply for more credit and rebuild it, but in short don't go back to pay more on debts that have been settled already.

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