https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Help-on-letters-or-experience-w-PFD-with-following-creditors/m-p/5866948#M606972 Hi all!<BR /><BR />Trying to clean up my credit and I am ready to pay off all of my creditors one bill at a time. Wondering if anyone has had luck with PFD with the following creditors.<BR /><BR />Wells Fargo Bank (cc account)<BR />Capital One - hasn't been moved to am outside debt collector yet.<BR />Kohls - Collector is Financial Recovery Srv<BR />Synchrony Bank - Collector is Midland<BR />Best Buy - Written off<BR />Merrick Bank - Written off<BR /><BR />Had a rough year and a half and these all closed recently, middle of 2019 to end of 2019.<BR />Any help is appreciated. Tue, 07 Jan 2020 05:10:33 GMT Anonymous 2020-01-07T05:10:33Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Help-on-letters-or-experience-w-PFD-with-following-creditors/m-p/5866948#M606972 Hi all!<BR /><BR />Trying to clean up my credit and I am ready to pay off all of my creditors one bill at a time. Wondering if anyone has had luck with PFD with the following creditors.<BR /><BR />Wells Fargo Bank (cc account)<BR />Capital One - hasn't been moved to am outside debt collector yet.<BR />Kohls - Collector is Financial Recovery Srv<BR />Synchrony Bank - Collector is Midland<BR />Best Buy - Written off<BR />Merrick Bank - Written off<BR /><BR />Had a rough year and a half and these all closed recently, middle of 2019 to end of 2019.<BR />Any help is appreciated. Tue, 07 Jan 2020 05:10:33 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Help-on-letters-or-experience-w-PFD-with-following-creditors/m-p/5866948#M606972 Anonymous 2020-01-07T05:10:33Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Help-on-letters-or-experience-w-PFD-with-following-creditors/m-p/5866994#M606975 I am finding a lot of my answers in this forum, I probably should have looked first before asking. I'm a newbie. Forgive me Tue, 07 Jan 2020 07:07:05 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Help-on-letters-or-experience-w-PFD-with-following-creditors/m-p/5866994#M606975 Anonymous 2020-01-07T07:07:05Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Help-on-letters-or-experience-w-PFD-with-following-creditors/m-p/5867034#M606986 <BLOCKQUOTE><HR />@Anonymous&nbsp;wrote:<BR />Hi all!<BR /><BR />Trying to clean up my credit and I am ready to pay off all of my creditors one bill at a time. Wondering if anyone has had luck with PFD with the following creditors.<BR /><BR />Wells Fargo Bank (cc account)<BR />Capital One - hasn't been moved to am outside debt collector yet.<BR />Kohls - Collector is Financial Recovery Srv<BR />Synchrony Bank - Collector is Midland<BR />Best Buy - Written off<BR />Merrick Bank - Written off<BR /><BR />Had a rough year and a half and these all closed recently, middle of 2019 to end of 2019.<BR />Any help is appreciated.<HR /></BLOCKQUOTE><P>Welcome @Anonymous&nbsp;</P><P>Midland will delete their collections if settled or PIF. The others not so much unfortunately. So I take it they were all closed and charged off. Once they are all paid that dont have a collections tagged to it. It will help with your aggregate util %. But the CO status will remain 7yrs from DoFD. But Cap1 is forgiving and will let you back in around a year out. Good luck!</P> Tue, 07 Jan 2020 09:21:29 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Help-on-letters-or-experience-w-PFD-with-following-creditors/m-p/5867034#M606986 FireMedic1 2020-01-07T09:21:29Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Help-on-letters-or-experience-w-PFD-with-following-creditors/m-p/5867649#M607033 Thank you! Tue, 07 Jan 2020 23:02:26 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Help-on-letters-or-experience-w-PFD-with-following-creditors/m-p/5867649#M607033 Anonymous 2020-01-07T23:02:26Z