Established Member
Posts: 31
Registered: ‎10-08-2007

To pay off collectors or not

If I consistently ask for PFD's and they dont remove, at what point should I just pay it? How much would it effectly my score, would I get a big boost from it? Have you guys been able to get stuff deleted through disputes after paying the collector, and what have your success rates been?

Here are my scores:

Transunion: 448
Equifax: 479
Experian: 498


Established Member
Posts: 31
Registered: ‎10-08-2007

Re: To pay off collectors or not

No one knows?
Moderator Emeritus
Posts: 9,252
Registered: ‎03-19-2007

Re: To pay off collectors or not

[ Edited ]
In general -paying CA's will update the last reported date -thus making it look more recent, lowering the score.

Sometimes trying to work with the OC can give you success-

The one good thing about paying is it can NOT be sold again-

Message Edited by Timothy on 10-11-2007 06:05 AM
Senior Contributor
Posts: 4,596
Registered: ‎09-14-2007

Re: To pay off collectors or not

What reasons do they give you for refusing to work with you?

If you are offering to pay the account that's in collection in full, in exchange for deleting the baddie off your cr, I dont understand why they aren't responding in your favor.

Perhaps some details of the accounts in collection will help. How long have they been in collection?

I've had success with PFD's, as many here have.
"Never ever, ever be late. Never" (FUTR)

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+