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If possible, try to work out an agreement with your creditors before a bill is sent to collections.While late payments affect your credit reports and scores, collection accounts can result in even greater damage.” Or “When will you take the money from my bank account?” Some of Have a pen and paper handy so you can take written notes whenever you talk with a collector.
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Checking your own credit reports and scores does not affect your credit score in any way.Here are ten full tips for negotiating with creditors and collection agencies.
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