Do I send a PFD or GW now?

[KiaBec]

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 

[KiaBec]

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

 

[RobertEG]

If you have paid in full, there is no offer to pay remaining.  You must now GW.

[KiaBec]

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.

~Kiki