A collection company out of MI, is contacting me about an old debt from the nineites (12 years old). They are calling my cell phone and leaving messages. It has been removed from my credit report, should I contact them. Also my credit score is 447,
However... that is an improvement from 390 less than 3 weeks ago. Should I a pay down all the the credit cards to ZERO and increase my score???
However... that is an improvement from 390 less than 3 weeks ago. Should I a pay down all the the credit cards to ZERO and increase my score???
1 ACCEPTED SOLUTION
Accepted Solutions
Send the JD Collector a FOAD letter.
Not enough information here to tell you that paying revolving debt to zero will help the score- responsible use of credit increases the score.
What other baddies do you have that is repressing your score?
Not enough information here to tell you that paying revolving debt to zero will help the score- responsible use of credit increases the score.
What other baddies do you have that is repressing your score?
@Anonymous wrote:A collection company out of MI, is contacting me about an old debt from the nineites (12 years old). They are calling my cell phone and leaving messages. It has been removed from my credit report, should I contact them. Also my credit score is 447,
Oh yes, the good ole' FOAD letter. Please just no sample letters though!
@Anonymous wrote:
Send the JD Collector a FOAD letter.
Not enough information here to tell you that paying revolving debt to zero will help the score- responsible use of credit increases the score.
What other baddies do you have that is repressing your score?
@Anonymous wrote:
A collection company out of MI, is contacting me about an old debt from the nineites (12 years old). They are calling my cell phone and leaving messages. It has been removed from my credit report, should I contact them. Also my credit score is 447,
OK, so what's a FOAD letter? Google suggests "Feed Our Adorable Dolphins," but that seems unlikely. ???fused wrote:Oh yes, the good ole' FOAD letter. Please just no sample letters though!
edit: oh, wait, I think I figured it out. 
Last word is "die", right? I'm more familiar with the slightly milder ESAD variant. Too bad, I would have enjoyed a sample letter or two! 
Last word is "die", right? I'm more familiar with the slightly milder ESAD variant. Too bad, I would have enjoyed a sample letter or two! Message Edited by haulingthescoreup on 10-31-2007 12:52 PM
F' off and die
Soooo close= I am sure you can figure out the F
Soooo close= I am sure you can figure out the F
@haulingthescoreup wrote:OK, so what's a FOAD letter? Google suggests "Feed Our Adorable Dolphins," but that seems unlikely. ???@fused wrote:Oh yes, the good ole' FOAD letter. Please just no sample letters though!edit: oh, wait, I think I figured it out.
Message Edited by haulingthescoreup on 10-31-2007 12:52 PM
LOL!!! Should we ask Barry to put this in the "Common Abbreviation" listing?
haulingthescoreup wrote:OK, so what's a FOAD letter? Google suggests "Feed Our Adorable Dolphins," but that seems unlikely. ???edit: oh, wait, I think I figured it out.
I guess we can ask...not!
@fused wrote:I guess we can ask...not!
Not until Barry puts MOV in there, by golly.
OK, once again, we have abandoned the OP. Timothy tried, but then we were off and rolling.
OP, if you haven't given up on us and would like to post info on your cards, including current balances and credit limits, we could probably give you slightly more useful advice, LOL.