Lowering your util to 5% will help your scores. Getting the COs off your reports will help your scores, paying them WILL NOT. If paid off, you can try a GW letter to get em deleted. If not paid off, PFD them.
motoracer wrote:I paid 2 CC CO accounts AMEX and Cap 1 the beginning of last month shouldnt that have updated with the CRA's by now? should I dispute or wait some more time? It is killing my score I think. I didnt get a PFD that has myh utilization over 90%. when the CRA update that will bring my Utilization to 5% that should help my score right?
Too bad you PIF, sometimes it's luck and sometimes it's who you send them to. Many have failed with CAP1. You could still try a GW letter, nothing to lose. When are they suppose to fail off?
motoracer wrote:I tried the PFD several times,,,,,,cap1 and AMEX wouldnt show me any love..haha so I just went ahead and paid them off.....I told Cap1 there was no way I was gonna pay them unless they removed the negatives from my TL there response was ok wait the 7 years then...