https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Delinquency-Accounts/m-p/6429486#M653048 <P>It would help to know what collection agencies you're talking about. In general, not a lot of them offer a PFD (Pay for delete), especially when settling for less. The only way to remove the derogatory is if you get an agreement to PFD <STRONG>BEFORE </STRONG>payment. However, if you already paid, then your only alternative is to try for GW (Goodwill) removal.</P> Sat, 23 Oct 2021 03:22:46 GMT OmarGB9 2021-10-23T03:22:46Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Delinquency-Accounts/m-p/6429451#M653046 <P>Hello I have couple of personal loans that Went delinquent due to hardship and now I was able to settle that amount with collection agency, would settling that amount in full will help me remove the delinquency from my credit report ? Should I negotiate for forgiveness with actual lenders ? Did anyone able to succeed in removing it ?</P> Sat, 23 Oct 2021 02:14:24 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Delinquency-Accounts/m-p/6429451#M653046 Anonymous 2021-10-23T02:14:24Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Delinquency-Accounts/m-p/6429486#M653048 <P>It would help to know what collection agencies you're talking about. In general, not a lot of them offer a PFD (Pay for delete), especially when settling for less. The only way to remove the derogatory is if you get an agreement to PFD <STRONG>BEFORE </STRONG>payment. However, if you already paid, then your only alternative is to try for GW (Goodwill) removal.</P> Sat, 23 Oct 2021 03:22:46 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Delinquency-Accounts/m-p/6429486#M653048 OmarGB9 2021-10-23T03:22:46Z