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Posts: 13,897
Registered: ‎04-15-2011
Re: Hi Newbie with some questions on TU and general advice for my situation

Even though they may fall off your CRs, the debt will still exist.  You might want to try to pay some of these, PFDs would be great.  Not to say I'd pay the whole amount for it, the CAs didn't.  But maybe offer 20% or so to get rid of it.  Just remember to never acknowledge that it is your debt and never make an offer to make payments to bring it back to current.  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!