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ddmo88 Rep Points:

Posted on October 5, 2010 at 9:30 am

Hi,I am going through divorce and don't make enough to pay all my cards and mortgage. I have settled with a couple of cards, but still have Discover and one other open. Once I am done with the credit cards I would like to try and refinance my mortgage to buy some time to sell the place. So my question is, since my credit report already shows two large settled balances, is it better for my score to get on a long term inexpensive payment plan with Discover and my other CC, or let them slide a little longer and negotiate a settlement?Thanks