05-15-2013 07:43 PM
05-15-2013 08:10 PM
05-15-2013 09:08 PM
You can do a modified PFD asking for a deletion with a settlement. Yes, something along the lines that you neither ackowledge nor dispute the accounts but will agree to pay ____amount for their deletion.
12-02-2013 06:50 PM
Don't know where to start...going through separation / divorce - have a large number of credit accounts in collections. Do I contact the collection agencies and try and settle for less? If so, how does that affect my credit. This is my preferred option, if it makes sense, as I don't have the money to pay all of these accounts in full. I'm not certain what the right approach should be and really want to understand how my actions will affect the overall outcome. I have a little money to use but want to use it wisely with the best results. Any advice is appreciated.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). 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.