have a 500 collection with asset acceptance---they say will not give me a pfd but will mark down as paid in full- a big difference i assume---the coll is from 2001 and cr says its due to fall off june 08--what is the recommendation pay or wait it out also have 2 cred cards 500cl each macys card 1200 cl home and car loan---i want to get another crd card but am afraid a new one would drop score scores are 630ish and looking to move and get new home loan with better rate---3rd cred card or not?---- last question please/thanku when r the au (which i am on one) supposed occurto and will that drop me much----the au im on is not one of my 2ccards thanks to all
