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!


Posted in Credit Cards
Profile Image

Question By

1 Contribution
4 People Helped
Target card issue
Hi all,

My credit has been built back over 4 years to a respectable level after a band 2010.

I only have two issues left on my report. One is dropping of end of the month and the other is Target who I loathe as they keep hitting my report every month with a "charge off" causing issues.

In 11 months Target will fall off my report as well but they called today to take payment in full or a close the account for 50% of what is due and report it as paid and settled for a lesser amount. All the bad stuff remains but it opens for me to dispute it till it falls off.

On the other hand I wonder if this hurts more than helps and should I simply let the 11 months go and take the same money and pay down a current card.

What say you ??


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

View your scores and reports anytime.


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.