Posts: 12,952
Registered: ‎04-15-2011
Re: WHY pay a CA or JDB when it won't improve your score?

Plus there's the bottom feeder problem that arises.  These zombie debts tend to wind up in their hands.  The FDCPA means absolutely nothing to some of these.  They will harass, threaten, etc. even though it is illegal, they really don't care.

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+

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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!