My reading of past posts has led me to believe that paying any Debt Buyer or CA in full is just pointless if I'm trying to increase my score(s). On the contrary, it seems that I'll actually HURT my scores by paying older items off. As such, I am not going to sit around and negotiate any payments unless they are willing to delete the tradeline altogether.
On a good note (possibly), I funded a secured Cap1 card today to at least have one decent TL going for me. It's odd since one of the collection items on my report is a C/O from a Cap1 card, but I'll take it. $99 deposit for $200 CL. It's a start. With a 520 EQ, I can't do much worse. I paid off a balance with USAA from a closed secured card today and paid my Fingerhut account current. We'll see what happens with that.
On another note, has anyone ever had success faxing PFDs? I got a payoff letter via email today, so it seems the industry is catching up.
I know I'm probably bumbling through this, but at least things are happening. Thanks to everyone here, I'm just a wee bit smarter today than I was yesterday, albeit a wee bit confused as well.
