https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Any-luck-settling-with-pacific-credit-exchange-Collection-Agency/m-p/6107340#M626817 <P>Never heard of them so no info can be posted. Since you had success with some GW's. Do the same to rid your self of the lates.</P> Thu, 13 Aug 2020 23:06:52 GMT FireMedic1 2020-08-13T23:06:52Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Any-luck-settling-with-pacific-credit-exchange-Collection-Agency/m-p/6106652#M626761 <P>I have a 5 year collection that is hurting my credit along with 4 late car payments.&nbsp; I was wondering if anyone has had any luck settling PFD with Pacific Credit Exchange specifically since I read that they have very bad reviews and I'm not sure if it's a good idea to even reach out to them 🤔&nbsp; I have 15 accounts that are in good standing thanks to the magic of GW letters.&nbsp;</P><P>&nbsp;</P><P>current mortgage midscore 605 goal 660&nbsp;&nbsp;</P> Thu, 13 Aug 2020 04:25:22 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Any-luck-settling-with-pacific-credit-exchange-Collection-Agency/m-p/6106652#M626761 myriamma01 2020-08-13T04:25:22Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Any-luck-settling-with-pacific-credit-exchange-Collection-Agency/m-p/6107340#M626817 <P>Never heard of them so no info can be posted. Since you had success with some GW's. Do the same to rid your self of the lates.</P> Thu, 13 Aug 2020 23:06:52 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Any-luck-settling-with-pacific-credit-exchange-Collection-Agency/m-p/6107340#M626817 FireMedic1 2020-08-13T23:06:52Z