repay t-mobile

allmine

Well I have received my experien credit report as I knew there were a few things on there that i needed to sort out...One is from t-mobile who I owe money to. Thing is i really want to clear this and sort my credit report out so what do i need to to...I dont have the money to pay them off in one go shouldi contact them and arrange a way of paying them off or what?

2nd question is do they only remove this from my credit report once i have completely repaid the full amount?
Is it also possible to make them a partial offer on the debt? I am sure there are ways of not paying the full amount?

I jsut really want to sort it out asap

thanks

Mikazaru

Has the account been defaulted and sent to a DCA? If it has, and has since been returned to them you should be able to phone them and pay off however much you can every week/month. If it hasn't got to that stage they may not accept low payments.

If its defaulted it'll stay on there for 6 years. If you pay it, it will show as settled and no money owed but it'll still stay on there for 6 years (I believe).

I'm not sure about paying a lower amount, the way we used to do it (diff. mobile company) is to accept a partial settlement but only if they were paying it off in one go.

allmine

well on my credit report it says defaulted but it doesnt ever say it was passed over to a DCA. I am not in a position to contact them and for them to turn around and demand all the money i just cant do that right now but if i can arrange with them to make low monthly payments then that i can do.

On your credit report if a default has been paid off and the balance says satisfied does that still go agains you or is that a neutral?

thanks