The thread below is for GWs. Read up on it. It's to get paid negative collections off your CR. Also if you have any negative accounts with a balance, you will want to do PFDs for those.
Starting Score: 504
Current Score: EQ FICO 819, TU08 778, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
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