Try for PFDs first.  Maybe you can get some of them off that way.   Don't just pay and hope for a GW, it may come to this later, but give the PFDs a try first.

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Starting Score: 504

Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

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Queeniam wrote:

Should I try to settle all my Collection and charge-off account or pay them in full...then send good will letters. Thanks 

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Is it a valid debt?

What do you mean by valid debt????

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Starting Score: 569
Current Score: 601
Goal Score: 725



Take the myFICO Fitness Challenge

whatIll what is a PFD?  

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Starting Score: 569
Current Score: 601
Goal Score: 725



Take the myFICO Fitness Challenge

Hello and welcome to the forums.  Below are some links that will help your familiarize yourself with the forums.  Read themand post any questions you have here.  We're here to help you.  Good Luck!

http://ficoforums.myfico.com/t5/User-Guidelines-General/Common-Abbreviations/td-p/88458

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/What-Steps-Do-I-Take-Do-I-DV-PFD/td-p/337142

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GW-letter-Q-amp-A-Examples-and-GW-Success-Sto...

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Starting Score: 504

Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

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fuzzybean wrote:

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Queeniam wrote:

Should I try to settle all my Collection and charge-off account or pay them in full...then send good will letters. Thanks 

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Is it a valid debt?

 

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I mean is it something you really owe and is it still within SOL?

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Queeniam wrote:

whatIll what is a PFD?  

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PFD = Pay For Deletion (or maybe it's Paid instead of Pay)