Paying off debt and FICO Score[ Edited ]
01-09-2013 12:12 PM - last edited on 01-09-2013 04:11 PM by llecs
I was just wondering if you could help me with some questions I have.
1. I have 3 small collections on my account, one for 198.00 from 08/2008, 201.00 from 08/2006 and 83.00 from 12/2006. I have already called all three collection agencies to ask for a pay for delete and they all said no. If I pay these in full... will this have a negative impact on my credit score since they are so old? I have read about when it updates the last activity month/year, this could happen?
2. If I have some late payments from 2006-2007 range... is it worth trying to send goodwill letters since I have been on time for the last 5 years with these creditors, or will this affect my score at all?