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Sounds like a valid plan. Good Luck! And the good part so far is the debt is paid, it can't come back to haunt you.
Valid point! I actually feel good about paying it today. I have one more CO to go, but waiting until Feb when the SOL giant goes to sleep permanently.
I am in the same boat with First Premier. I have two charge off accounts with them. I was wondering if I pay will it drop my score, even though the simulator stated that it would increase my score by over 50 points. They are due to fall off in a year.
Paid off the First Premier earlier this month. Today - TU finally shows a balance of $0 and my Fico score jumped up 16 points! The charge off now has a status of "Payment after charge off/collection. Settled - less than full balance." I can live with that (for now........lol). Waiting for the other 2 credit reports to show change.
Good decision to pay - thanks to the board
P.S. I think I will start sending them GW letters every 3 weeks until they either remove it or it drops off. I can handle the cost of a stamp!
Thought I would give an update on this................for some reason, even though they denied numerous GW requests since I settled........FP decided to remove the entire account from all 3 CRs last month permanently.
Not sure if accidental or on purpose...........but I thank them anyway. (wasn't due to fall off until 2016)
@SusieQ wrote:Thought I would give an update on this................for some reason, even though they denied numerous GW requests since I settled........FP decided to remove the entire account from all 3 CRs last month permanently.
Not sure if accidental or on purpose...........but I thank them anyway. (wasn't due to fall off until 2016)
Grats on finally getting what you were after