Posts: 18
Registered: ‎08-07-2012
Re: Improving Credit Scores

Not ALL lenders use a FICO score-one lender I spoke to used Experian, and another (Wells Fargo) used some company called Rels Credit.


If an account sent to collections is well past the statute of limitations for collections in my state, should I even bother with it? I'm talking about accounts that went to collections 5-6 years ago. I feel that I am far better off just leaving them alone and waiting for them to drop off, than to try and contact someone to get them paid.