Have you ever had a credit card application rejected? How about when you thought you had great credit?
I am not opening up the Pandora's Box of identity theft here. I am warning you that your credit rating is not static and some of the changes may be neither positive nor correct. There are lots of places to get a free credit report. When you are checking yours please be certain to pay special attention to any closed accounts or paid off accounts. Credit lawyers have a very interesting habit of invoking something called - 'Dismissal Without Prejudice'. This allows them to come back later and file for judgments on balances which you negotiated to zero. What you must demand during a debt settlement is a 'Dismissal With Prejudice' for all items on the related matter.
Check with lawyer, more later.
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