Moderator
Posts: 13,892
Registered: ‎04-15-2011
Re: Now to fix wife's plz help

ninjamike81 wrote:

I've got a little money to send off for either the judgment or the 4 UNIV SVCS accounts and they said they WILL PDF if I pay a extra $50  to delete all 4 of them.  What will help her credit more. 

1) call lawyer to see if they will vacate.  Judgment was for not showing up at court but she never got served  was old address.  And the job she had delivering papers at night.  She got into accident her  "company van" and job told insurance she wasn't covered so the ins company sued her. 

2) call univ collections and have those four accounts PFD.  But...  They wont send a PFD letter.  Rep said just pay the extra $ and we will remove it in 48hrs?   I know I want it in writing.  Wife and my self have argued with them bout the letter and they will NOT send it. 


Tough situation you have there.  My "personal" opinion would be to take the offere.  It's a $50 gamble to take them at their word to remove 4 negatives off you're report.  That's $12.50 for each.  I've spent more on that on stamps for GWs.  YMMV of course, but might be worth the risk.  Good Luck

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!