Step by step on how to make a deal with the credit card collectors and have it not put on your report. can this be done?

Notify them by calling, email or snail-mail, asking for assistance in the matter. Most CC companies are more than willing to help you achieve your goals, if you take that initial step in communicating with them The best thing is to keep those CC's paid off every month. Missing a payment date by one day can wreak havoc on your credit ratings for years and years.

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