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Date : Jun 1, 2009


Hello Sir, i am name is vijay, I have some payment due on my credit card ( My friend misused it ). But on other cards i am paying it regularly. I have also paid one car loan promptly. Now how can i do the settlement of my credit card? Can you please tell me some proper way? Will i able to take the load after this settlement? Please clarify this.


When you go in for a settlement, banks can and will legally report you as a defaulter - to the extent of the dues foregone by them - at the credit bureau. All details concerning your default stay at the credit bureau for 7 years. In this period, anytime you apply for a home loan, personal loan or a credit card the details of your default will show up during the verification process and it becomes highly unlikely that any lender will lend you credit. For more click on effects of settlement.



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