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Charle3n

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Two credit cards listed as 'closed' in credit report.
I have a Belk and a Target credit card that I could not pay due to me losing my job a few months ago. These cards are both listed as 'closed' in my credit report. I would like to pay the cards off, but I would really like for my credit score to improve. Is this possible? I am terrible at negotiations and I just want to get these debts paid off, being that I owe them. Any help or suggestions would be greatly appreciated!

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Two Closed Cards

It is always best to pay the cards off as it looks much better on your credit report. If the accounts have not already gone to a third party collector I would call each issuer and see if they would delete the negative entries from your credit report in return for payment. Sometimes that happens and it has a profound effect on your score. Best of luck!

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