Posts: 85
Registered: ‎05-06-2012

Another which is better question?

What would be best course of action.

Pay CC UTI down from 90% to 9% or

PFD 2 collection accounts dated early 2010 and early 2011. (I have reason to believe they would delete. It's AFNI and Armada corp).

Thanks for the advice

Starting Score: 574(may 2012)
Current Score: 574
Goal Score: 640 (to start)

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Frequent Contributor
Posts: 425
Registered: ‎05-16-2012

Re: Another which is better question?

[ Edited ]

I'll go with what I read on here, if you can PFD two collections go for it, since UTI can be adjusted any month, is easy to do and happens fairly quickly. PFD you might lose your chance. I've attempted to PFD several accounts and have been rejected so if you can, go for it.

Lender Pull (11/3/12) FICO EX: 740 EQ: 680 TU: 702

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