No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
I have a utility bill that was just added to my CR as 120+ days late. It is not in collection. I called the company and asked for a PFD, and they acted like I had 3 heads! If this isn't in collections, is it possible to get a PFD, or do I do as they suggested, pay off the bill then let it get reported back as paid? Or let it go to collections so it may be removed? This dropped my score 98 points!!! Thank you in advance!