I posted before about my citi acct. and found that it was in fact a joint acct so it also affected my spouse's cr. Since i'm filing ch 7 individually, has anyone here experienced what happens on a cr if it says paid in full settlement compared to just paid in full?
I was 130 days overdue but made a payment last month so it wouldn't go into collections. The citi rep told me a settlement would be on a cr for 7 years or so but i'd like to keep my spouse's cr clean so after I file, we can use that good credit to move on with our lives.
I was 130 days overdue but made a payment last month so it wouldn't go into collections. The citi rep told me a settlement would be on a cr for 7 years or so but i'd like to keep my spouse's cr clean so after I file, we can use that good credit to move on with our lives.
