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I have two old co's that are both under 100 dollars they where opened in 07. Should I just pay them off?
I would do a PFD for a PIF, but if they don't respond, I would wait it out until after they dropped off my CR to pay them.
Scores | 2013-09-21 | Current |
Equifax | 630 (LP) | 755 (CK)/749 (Quizzle) |
Experian | 640 (FCR) | FICO 707 (Amex) |
TransUnion | 588 (CK) | FICO 754 (Barclaycard) |
@erniepotts01 wrote:I have two old co's that are both under 100 dollars they where opened in 07. Should I just pay them off?
I would try PFD's first and if not successful then pay off and start the GW process
+1
The quicker you can remove unpaid, delinquent debt, the better your CR will look upon a manual review.
Even after CR exclusion of the CO itself, the OC accunt will still be reporting, and show a debt balance. Thus, it can still be a problem until paid.