Hi everyone... Been lurking around here and reading lots of good stuff. Looks like I am going to have to start sending some PFD's for sure, but I do not know quite yet.
My score is below 500 currently (EQ is 466, EXP is 477, dont have TU at the moment)...
I have some SL's with the DoE that looks like I need to rehab. On top of that, I have a number of collections as well as charge offs for the same amounts. Obviously, the charge offs are from the actual banks my cards were through and the collections are the accounts on file with the CA's. My question is, should I be working with the CA's via PFD letters, and then once paid, send GW's to the original creditors? Just want to make sure I'm going about this the right way. I know this will take time to repair but I'm willing to do the work and pay my debts, just want to move forward in the most efficient manner possible.
A couple more questions... most of these collections are fairly recent (4-5 months or so)... Should I even consider repaying the original creditor directly? If CA's refuse to delete accounts but show them as paid, how much does this help my score vs getting a complete deletion?
Thanks in advance to everyone with all the great advice and knowledge I've come across so far!
