Only 2 more points needed

[gdale6]

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@Anonymous wrote:

Any idea if paying the installment loan down may help.  It was originally 20,000 and I have it paid down to a balance of 8850. I know paying revolving down helps but haven't read if paying the balance down on installment loans help.  Thanks again for all the info.

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Nope, installment loans give you very little towards Fico and paying them down early does nothing.

[Anonymous]

Thanks for the responses. Think I will just wait and see if anything happens when lates age two years. Will update with results. Not going to try anymore GW right now for fear of triggering an unwanted dispute.  Collection was with PRA and they have denied any help couple of times already, hard to deal with.