I opened my account with sears back in 1999 had good luck until I fell behind then my intrest rate went up and down. And now it is above the state minium of New York as so I hear from other debt consolidaters. This bank has tired to help a little bit but not enough they make it harder to pay off the debt and get to look good on your cred it report. I don't know if I should settle or pay off?
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