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@Anonymous wrote:
How about October? Lol.
I’ll have all of my balances on every card to zero.
IMHO, October only if you have taken care of the collections.
Also, do not pay all balances down to $0; you'll lose a few points. Leave a $5-10 balance on one card.
Thank you for your input! I'll leave one with a balance below 8.9%.
Should I try CS 360 while I am paying down balances? To see if I can get anything removed that way before tackling the collections?
@Anonymous wrote:Thank you for your input! I'll leave one with a balance below 8.9%.
Should I try CS 360 while I am paying down balances? To see if I can get anything removed that way before tackling the collections?
If you have to pay CS 360 to get collections removed, the answer is no. You can call each collection company involved and ask if they would negotiate a payoff and do a pay for delete (PFD).
@Anonymous wrote:Thank you for your input! I'll leave one with a balance below 8.9%.
Should I try CS 360 while I am paying down balances? To see if I can get anything removed that way before tackling the collections?
CS360 and other credit "repair" companies are all scammers that charge you money for things you can do yourself. Just take a trip to the Rebuilding section of this forum and ask for help.
@CreditInspired wrote:
@Anonymous wrote:Thank you for your input! I'll leave one with a balance below 8.9%.
Should I try CS 360 while I am paying down balances? To see if I can get anything removed that way before tackling the collections?
If you have to pay CS 360 to get collections removed, the answer is no. You can call each collection company involved and ask if they would negotiate a payoff and do a pay for delete (PFD).
To add, if the referenced entity engages in any sort of "credit repair" aspects, please be aware that such discussions are not permitted on the myFICO forums @Anonymous.
The link to such guidelines is referenced below:
I'd hold off on apping. My incredibly conservative approach is to never app for a product until utilization is in an ideal place, the with possible lone exception being if someone is sitting on a 0% offer for a period of time. If one has elevated (non-ideal) utilization on interest-bearing lines of credit, it's a sign of risk and IMO taking on more risk in acquiring another card isn't the financially responsible move to make.