With regards to offering companies these.
Can I ask though is full and final a good way to deal with your debt outstanding.
An example.
I owe DCA united £100
I offer a settlement figure of £46
They accept the offer.
Does it help your credit report/score or not?
Or can you ask that the creditor mark the payment as settled or satisfied whatever the terminology is..
I ask as I've read a few threads with people and there success, beyond a positive mindset what are the benefits of making a larger payment rather than just clearing it off gradually?