Hi All,
I have a credit card debt which, although I am repaying monthly, has defaulted because the creditor didnt officially accept the monthly repayment offer.
My question is:
Is it worth offering to settle this amount to get some shaved off, if so when the defaulted credit shows as settled; will the default still be there for the full 6 years to haunt my credit score or will it be lifted once settled?
Many thanks,
Alex_W

