As the title says, I have an outstanding debt (a couple of months old) with Optus that has since gone to Commercial Credit who is now hassling me to pay.
The full amount is almost $300, but CC is allowing me to pay $200. I'm wondering if there is a downside to paying the reduced fee - will my credit score be negatively impacted by settling with CC? Is it worth going to Optus instead and paying the full amount?
Or will it be affected any way and I may as well save myself the $100
Hey @chetan85 - Great question.
If this is the agreed amount that the agency has specified for you to pay, it's best to pay this amount as soon as possible. Once you've paid this, the owing amount will be gone.
Depending on the scenario though, this may have impacted your credit rating as it has gone to a debt agency. I'd recommend speaking to them over the phone (Depending on the agency) and seeking clarity as to what the next steps may be.
If you did need further clarity, your best bet is to chat to our team > https://app.optus.com.au/msg-us?tags=OCAYCMSG or over the phone