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uptomyneck wrote:I pulled all three credit reports and I have 4 accounts that are bad TLs that I can pay off in full. I was going to send PFD letters to all 4 of them at the same time. But, could that backfire on me? If all of the TL are being updated at once- or in a relatively short period of time- could that have a negative effect with the CRAs? I'd like to handle it all at once, but would it be better to focus on one a month-or-so?