Posts: 13,761
Registered: ‎04-15-2011
Re: Improving Credit Scores

I know it may not seem right, but a paid collection is not any better than an unpaid.  So you might not see a bump in score.  You will need to send a GW letter to whoever you paid and ask if they will delete the TL.

Starting Score: 504

July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!