http://bettercreditblog.org Improve your credit score, repair your credit, and settle debt by learning from my mistakes. Tue, 04 Nov 2008 20:09:59 +0000 http://backend.userland.com/rss092 en Negotiating for a creditor to completely remove a negative record on your credit report will usually increase your credit score more than if you pay the account off and the creditor changes the account status to 'PAID IN FULL'. This is because even though your credit report may reflect that ... http://bettercreditblog.org/2007/11/16/negotiating-with-creditors-to-get-negative-records-removed/