Hi everyone -
Thanks to some great info and advice here I've been able to bring my scores up 50 points in 4 weeks. Still trying to get Portfolio to agree to PTD on two relatively small accounts that are keeping me below 580 for an FHA loan. Does anyone have an email address or phone number to get somewhere? These are the ONLY things holding me back. PLEASE!
The other option is to pay them and try to delete later, but from what I understand it won't help - my loan officer says it's better to not touch them than to pay and have the account update to a more recent status, even if to paid in full. Is she right? Or could paying two collections get me the 20 points I need?
PM sent. I successfully had 2 smaller collections from them removed (both under $400 and set to fall off next year, so I don't know if that helped).
I asked for a GW deletion and just told them my story. I hadn't paid either of them. Saw them removed from all 3 bureaus one day, then about a week later I got letters in the mail saying they had requested them be deleted.
What portfolio company are we talking about? I am dealing with a JH Portfolio place. You got yours deleted without paying? That's awesome.