how to raise fico score

[Anonymous]

pfd stands for pay for delete. there are some examples floating around somewhere.  i was clueless at first, but it don't take long to catch on. hope this helps.

[Anonymous]

hello to everyone. how can i raise my score of 593,i have paid off all my chargeoff,one more to payoff,i have three open account that is in goodstanding.

[Anonymous]

pay for delete

[Anonymous]

I'm new on this board and am looking to do the same for my credit.  my scores are very low and i'm wondering if paying off the chargeoffs on my credit report will that help my score any.  a couple of them are pretty old.  Thanks for any advice.

[My_dog_FICO]

Kylero,  If you have an outstanding balance - contact the orginal creditor and see if you can make arrangements to pay them.  If so, do, and once it's paid, dispute the CA's reporting with the CRAs.

If they've sold the debt to a CA, get the DOLA from the OC.  Then check your states SOL.  If it's been exceeded, you have alot of power to get a PFD the CA.  If it's still within SOL, play nice, but firm, with the CA.  If it's a small debt, ask for PIF/PFD.  They get what they want, you get what you need.

If the debt is over 7 years old, the CA can no longer report the debt to the CRAs.  They can try to collect, but they have no leg to stand on.  If they threaten getting a judgement against you, you can get it thrown out due to SOL, but you must appear in court or else they may get a default judgement and then you are liable for the debt.

Experts, correct me if I'm wrong.