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Just found out settlements can be bad?!?!


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I had about 7 credit cards during undergrad that I was late making payments on. After graduating and finding a real job I was able to pay them off. Some CC companies offered settlements for a percentage of the amount owed. I decided to take their offers. Now that I have paid them off, there is still no increase in my score. Is there a way to have the charge offs removed or do i have to just wait out the 7 years? Any advice or recommendations will be greatly appreciated?

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