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Do I send a PFD or GW now?

Established Member

Do I send a PFD or GW now?

Hi there,

 

I have recently paid in full 4 settlements:

 

Chase (for a WAMU cc, this account is closed)

AlliedInterstate for Chase (this was an old Chase cc)

Rubin & Rothman for Master Card (an old Wells Fargo cc)

Kirschenbaum & Phillips for Seamans (will be paid off in Dec)

 

My question is: Is it too late to send a PFD? Should I send a GW rather? Basically what would you advise my next step to be since they are still bringing down my credit scores. I didn't learn what these letters were until recently, and I have 3 more small accounts that I haven't touched yet. Those 3 I will definitely be sending a PFD.

 

Thanks for all the help, and all of the other posts that have been extremely informative.

 

~Kiki 

Current the only card that I have.
1/1/16: TU 630, EX 633, EQ 633.
As of 2/6/18
Message 1 of 4
3 REPLIES
Established Member

Re: Do I send a PFD or GW now?

Also, the last two settlements stated are judgements. Is there a way I could get those off my CR? One is paid in full and the other will be in December of this year.

 

Thanks

Smiley Wink 

Current the only card that I have.
1/1/16: TU 630, EX 633, EQ 633.
As of 2/6/18
Message 2 of 4
Community Leader
Legendary Contributor

Re: Do I send a PFD or GW now?

If you have paid in full, there is no offer to pay remaining.  You must now GW.
Message 3 of 4
Established Member

Re: Do I send a PFD or GW now?

Thanks I figured that I should attempt the GW. As for the last 2, I researched and found out that these judgements have to be vacated so I will be working on that. Smiley Happy

 

~Kiki

Current the only card that I have.
1/1/16: TU 630, EX 633, EQ 633.
As of 2/6/18
Message 4 of 4