effect on score

[tst888]

I have an account that was past due but I legally settled for less than the balance. It is currently reporting as such. I know this is negative but how negative is it ?

I have offered the creditor the remaining balance to resettle it as "paid in full" and to amend the 90+ late.

If they won't amend the 90+ late is it worth it to my score just to get rid of the "settled for less than the balance" ?

I'm not sure how much that's worth to my score.

Thanks for your help

[thestr8circlesd]

The only way I'd offer them anything more is if they removed all negative information, including the 90 day. If not you might want to see if they will delete the TL all together.

good luck