What to do? I'm an R9

[mixmichel]

Hi guys,

I'm new to this forum and I've looked around I see there is a lot to learn.

 

I had a 8000 debt with the bank on my credit card, I made a payment arrangement and failed to pay it on time.

It has now been transfered to creditors and my score has come down to an R9.

He offered me to take 2000$ off, and if I pay in full, he will upgrade me to R7.

 

I also have a 8000 debt on my credit margin at the bank, which hasn't been closed and I am paying. Hopefully this can bring my credit back up?

 

Should I accept the creditors offer? Or are there any better ways to do this.

 

Your help is greatly appreciated!

Thank you so much

 

Michel