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So I started aggressively cleaning up my credit today. I PFD 2 accounts, PIF one and settled another. I have 4 charge-offs and 3 collections left to deal with. Will I start to see an increase in scores as the PFD records fall off or will it not matter until I get the last of the baddies handled. I am willing to settle instead of PIF because I know something is better than nothing and all but 1 is currently updating monthly. 2 of the 3 collections will most definitely be PIF because they are tiny and I would have taken care of them today had they answered the phone. 2 of the charge-offs are also small enough to PIF today. That will leave me with about 4k in debt that I need to clear up. Any ideas on the best course of action here? My current scores are EQ 609, TU 615, EX 614. I really don't want to see these plummet as I do this either.
You can see a score jump with PFD, since the collection won't be weighing the score down. Start good will campaigns on the PIF collections, to get them completely removed. We need more information on accounts you have left: amount, utilization, age, etc.
I highly recommend reading ABCD2199s rules about credit rebuilding, I think they're pretty solid.