Pay for delete is the first choice. If you pay the account without getting an agreement to pay for delete having the agency mark it as paid will amke it a paid collection account. This will not remove the derogatory information. There is the thought you can pay off knoiwing that in seven yours that it will fall off your credit report or try to use good will letters to have the agency remove the reporting after it is paid. The Bank of America account would consider calling them and see if you can make payment arrangements with them before they sell or asdsignyour account to a collection agency.
FIC Scores XPN v8 808 V2 831 (SDFCU) TUC V 8 803 03/25 EFX Bankcard v8 822 EFX FIC0 v8 800 Vantage score 4.0 817 via JC Penney )
JC Penney 10/2008 4700, US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 11,100 State Dept. FCU 25,000 06/2023 , 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Langley FCU Signature Cash Back Visa 10000
Banking: Langley FCU Credit Unions: Lafayette FCU Fortera FCU State Department FCU Pelican State CU Red-stone FCU Hughes FCU
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank Comerica Bank BMO
