3 points for paying Midland? I'll take it!

[sharriel]

I had a charge-off with Midland for $384 in which I paid $232 for a Paid In Full status.  JUst got an update with a 3 point increase.  I'll take it!

[myjourney]

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@sharriel wrote:

I had a charge-off with Midland for $384 in which I paid $232 for a Paid In Full status.  JUst got an update with a 3 point increase.  I'll take it!

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Every point counts keep up the good work 

[jre]

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@sharriel wrote:

I had a charge-off with Midland for $384 in which I paid $232 for a Paid In Full status.  JUst got an update with a 3 point increase.  I'll take it!

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Would they do a delete for PIF? I wonder how many points your score would go up then?

[sharriel]

I have been trying to get them to do a PFD for months now and they were NOT going for it.  I was sick of wasting my time so I just settled for less but as PIF remarks

[jre]

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@sharriel wrote:

I have been trying to get them to do a PFD for months now and they were NOT going for it.  I was sick of wasting my time so I just settled for less but as PIF remarks

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I've read on here that a paid collections is just as bad as a unpaid collections scorewise, which makes no sense. I suppose on a manual review though it will make a BIG difference if the collections are paid rather than left unpaid.

[sharriel]

Exactly why I did it

[guiness56]

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@jre wrote:

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@sharriel wrote:

I have been trying to get them to do a PFD for months now and they were NOT going for it.  I was sick of wasting my time so I just settled for less but as PIF remarks

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I've read on here that a paid collections is just as bad as a unpaid collections scorewise, which makes no sense. I suppose on a manual review though it will make a BIG difference if the collections are paid rather than left unpaid.

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The reason is because FICO scores on the collections itself.  A collection, paid or not, is a collection.  There are some that will see a score boost from paying for whatever reason.  Most will not.