You want to attack anything updating monthly first, try to get the PFD from the collectors getting one with the OC is pretty tough, once they stop updating after payoff they begin to age so that translates to a higher Fico score. Those remaining AUs are hitting you pretty hard too as they are considered maxed out.
I would remove yourself as an authorized user on the maxed out credit cards. Unless you plan to pay those down/off in the near future. But, either way you're probably going to have to get those balances down if your wife is going to be on the mortgage.
You'd probably be better off with a third credit card from OpenSky (secured, no credit hit) or somewhere like Capital One if you can get preapproved for the secured or platinum cards. Then you'll have a far lower utilization.
Is the Credit One card reporting as a charge-off? And if so, does it have a balance listed? It's in collections, but I don't see it under the cards listed. That could potentially affect your utilization as well.
Your biggest problem is that some, and perhaps most, traditional mortgage lenders won't approve a mortgage with unresolved collections. So, whether they're deleted or not after paid, you're probably going to have to resolve them.
With that said, it is much, much, much better to obtain a PFD. Paying a collection account that's not removed from your report will probably have little to no impact on your score. I know LVNV does PFDs and IC Systems did a PFD for me a while back. You may be able to get some more info from this thread:
https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Collection-agencies-that-do-PFD/m-p/5675391
Searching the forum for the collection agencies is also a good resource.
@amclv0 wrote:None of them are being updated monthly or at least that's what I see.
@gdale6 wrote:You want to attack anything updating monthly first, try to get the PFD from the collectors getting one with the OC is pretty tough, once they stop updating after payoff they begin to age so that translates to a higher Fico score. Those remaining AUs are hitting you pretty hard too as they are considered maxed out.
In that case I would move from most recent collection to the older ones.
@amclv0 wrote:Thanks for the info. I tried the ATT UVerse call and they didn't do pay for delete which sucks. But I'll try the rest of them thanks for the link.
Are you calling the original creditor or the collection agency? It's unlikely an original creditor will deleted anything they have on your report, assuming it's accurate. Some collection agencies tend to be more willing to do PFDs. But PFDs are a bit of a grey area.
You can try to resolve the debts three ways:
One, contact the collection agency and offer to settle/pay the debt if it's delete from your credit reports.
Two, contact the original creditor and ask to pay the debt directly to them and have them recall the debt from the collection agency.
Three, pay the debts and try a goodwill campaign. It's unlikely these will accomplish removal but a slim chance is better than no chance, I guess.
@amclv0 wrote:I have been trying through the collection agency.
Then it may be worth calling the original creditor and saying something along the lines of "hey, I noticed this account was listed on by credit report with _______ collection agency. Sorry, I wasn't aware that I owed this and would like to pay you to resolve the account. Can you recall the debt from _____ collection agency and accept my payment today?"