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Julie Bettencour Cliff

Julie Cliff’s Answers

1 total

  • What happens if I pay off my collection?

    Julie’s Answer

    If the loan was taken out in both your and your father's names, then you are both responsible for the loan. When your father filed for bankruptcy, the debt was discharged as to himself only. You are still responsible for it. If you pay it now, it will improve your credit score a little. Instead of appearing on your credit report as an unpaid debt, it will appear as a late payment. You also don't say how old this debt is. You should pull the original agreement and review it.

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