Posts: 13,897
Registered: ‎04-15-2011
Re: Verizon collection help (again).

From a scoring point of view, it does no good to pay the debt.  Unless it is from the OC and is a debt that is factoring into your util, the paid/unpaid doesn't matter to scoring, they are looked at the same.  A PFD would be the best route, it would remove the TL entirely.  

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!