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How to Negotiate Credit Card Debt With Your Creditors | Tips, and Tricks on How to Negotiate Debt Settlement Yourself If creditors do not receive on-time payments from you, they will often report your delinquency status to the major Credit Bureaus (Experian, Equifax...

Pay more than the minimum payment. Go through your budget and decide how much extra you can put toward your debt. ... Try the debt snowball. ... Refinance debt. ... Commit windfalls to debt. ... Settle for less than you owe.

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