JenTay PAY IT.

I've seen way too many deals fall flat because someone didn't pay a stupid little bill because of principle or get pounded by interest rates. If the item is already on your credit report don't pay unless they take it off. It may seem odd but if you pay the bill that is already on your credit report it will renew the account and the 7 year clock starts ticking again.

If the creditor is bugging you you can fax them a stop call letter and they have to stop.

I had a phone bill on my CR from school daze and once I found that is was there I paid it and my credit score dropped, so lesson learned.

Browse this site:


http://www.creditwrench.com/