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There is 7 accounts listed on my husbands report 6 deliquent collections 1 positive secure credit card that he has had since 8/2012. I was able to have all but 2 baddies removed with Pay for delete, a GW phone call and having him removed as a user on AU credit cards.
Ok so there is 2 paid collections left on his report, I am afriad to have them removed because I think he would then have no credit except the one secured credit card and 3 new card he has yet to receive.
Should I try to get all of the baddies removed or should I just wait to see what his score goes to once all of the dust settles in the next month. I am afraid because the baddies seem to give his file some age. What to do?
He has a 608 Fico right now.
Try to get those baddies removed, and let the other accounts age.
Collections do not factor in to the average age of accounts.