Saving Money will Hurt the Economy?
Rick Newman
U.S. News
June 5, 2009
http://finance.yahoo.com/news/Why-Youre-Going-to-Save-More-usnews-15452714.html
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So if you are like me and usually avoid AAFES at all costs, do your research and give them a try tomorrow (post-Christmas).
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Here is an example of how a collection company operates. Let's say your $2100 AT&T phone bill gets "sold" to a collection agency. They will "buy" this $2100 debt for $1000. AT&T then gets to write off the loss on their tax. The collection agency will then start the process of trying to collect the full $2100 making an $1100 profit. Most people don't pay, go bankrupt, or stop answering their phones and have trouble sleeping at night. But if one person pays, they make well over their original investment. You can take advantage of this by "settling" the debt. Call the agency and tell them you don't have the money to pay. If you do have the money then you should pay in full. It is better on your credit report to state "paid in full" then to say "paid in settlement". "Paid in full" falls off faster and it increases your score. But if you don't have the money simply state that you don't have the money and try to get to a balance that you can pay off and also ask if you can make payments.
Start your 2009 off right. Check your credit report and fix it.
Labels: 2009, credit, credit report, fix credit
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