Quote:
Originally Posted by 11secdsm
Normally they will not negotiate a lower payoff unless you are delinquent on the account....even so, it would show up on your credit report as a "settlement" and would negatively impact your credit score. I highly recommend just paying it off. Even calling them could negatively impact you (i.e. they could lower your credit limit based on the conversation).
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This is good info and I agree with it 100%.