04-29-2008 12:52 PM
04-29-2008 01:36 PM
I moved out of my apartment in November 2007 due to losing my job. I was 2 months behind on rent and still have not paid. Today I pulled all 3 CR's and it was reported 4/08 on my credit. There is no creditor information only original creditor info. I can pay this off but would like to know if it will affect my credit postively or negatively since it is such a new account. Should I send a PFD letter first or just pay it? Any information will be greatly appreciated.Thanks!
04-29-2008 01:41 PM - edited 04-29-2008 01:41 PM
Unfortunately, paying it won't help your score one bit. Once it's there, the damage is done until it is removed. Although the older it gets, the less it will hurt.
This is a collection account, but there is no contact information for the collection agency.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.