How long after paying collections can I apply

[lorenzj4]

I have a few 3-4 year old collects that are driving me nuts by posting 120 day lates. Im tired of fighting them and nothing seems to work. Since i will must likely have to pay them off anyway, I want to go ahead and take care of it now.  

My question is: If i pay them today (settlement) will I have to wait 12 months to apply for FHA,  since the current date will be updated? Or do they go off the DOFD?

Thanks

[PresidentPatton]

I would think if you can get them to PFD then you should be good to go now. I would never just PIF or pay a settlement without trying to do a PDF on anything! That is now that I have been learning so much on these boards!

Remember to get it in writing if you can get them to go for a PFD!

[basballguy]

I don't understand why you have to wait......

clarifying:

I have unpaid collections on my CR.  They are all old (like all at least two years old)...but still unpaid.  ....I think i have 4 total.  4k....1.4k...200 and 400.

I also have PR.  People threw the biggest fits over dispute comments on my collections...not the actual collection being there. 

[DallasLoanGuy]

you dont have to wait

[ShanetheMortgageMan]

Collection accounts are considered from the day the account is sent to collections, not the date of last activity.