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News and Notes
FCIC draws on a variety of sources to bring you useful consumer news, tips and advice.

Cars - Computers - Education - Employment - Family - Federal Programs - Food
Health - Housing - Money - Small Business - Travel - And more...

If I Negotiate a Payoff, Will It Hurt My Score?

Settling your debt for less than what you owe will likely lower your credit score a lot. The usual practice is for the issuer to report the number of days the account was delinquent and that the debt was settled for less than the full amount.Talk with a consumer counseling agency to see if a debt-management plan would work. That could be less damaging to your score than a settlement. Read more...

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