How bad will I mess up my credit if i don’t pay my cell phone and just let them disconnect it?
Dec 03, 2009 in
Credit
Black lashes
my bill came out to be almost 400 cause of late payments in about 3 months, so i cant pay that, so i just want to let them cut it off, my contract ends in 2 months, but will i still have bad credit if i just call them and pay that fee that they ask for when you don’t reach your contract. how bad will this be to my credit?
my bill came out to be almost 400 cause of late payments in about 3 months, so i cant pay that, so i just want to let them cut it off, my contract ends in 2 months, but will i still have bad credit if i just call them and pay that fee that they ask for when you don’t reach your contract. how bad will this be to my credit?
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4 comments
kare34235 on December 6, 2009 at 4:22 pm
tell them to disconnect it but offer to make payments than reconnect when pd.
sorry to hear
mo3_lys on December 9, 2009 at 9:34 am
technically yes missed payments go against you as defaults, so it does affect your credit
Pojo on December 10, 2009 at 2:44 pm
Obvious you can not afford what ever your agreement is and I suspect those funds each month are probably needed to pay other bills you have that are not current either. But cancelling without waiting 2 more months will cost you a lot too.
Then if you absolutely have to have a phone go get a tracphone or similiar pay as you go phone.
YES it will affect your credit because any month you are 30 days late it goes on your credit reports.
You might want to call and see if they will work out an arrangement with you to pay the balance off in 2 payments or whatever because if you cancel now they will also add a 200-500 cancellation fee.
Doctor Deth on December 11, 2009 at 12:27 pm
-200 POINTS on your credit score, AND THEY WILL STILL SUE YOU FOR THE MONEY PAST AND FUTURE TO THE END OF THE CONTRACT