myFICO® Forums
Help
cancel
Turn on suggestions
Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type.
Showing results for 
Search instead for 
Did you mean: 

New to the MyFICO Forums.

tag
Get Access Now
Anonymous
Not applicable
‎01-05-2012 08:26 AM
‎01-05-2012 08:26 AM

Re: New to the MyFICO Forums.

Okay, If it is paid.... Will that help my FICO score?

 

Here is some of the tradelines from Premier Credit Manager...

 

 

1Capital OneCredit CardOpen$16.0011/01/2010$500.00Revolving$537.00$500.00
Current
2Cavalry Portfolio ServicesCollection Department/Agency/AttorneyClosed
03/01/2008$367.001 Month

$367.00Seriously past due date/assigned to attorney, collection agency, or credit grantor's internal collection department
3Credit Protection AssociationCollection Department/Agency/AttorneyClosed
12/01/2005$193.00Unknown

$193.00Seriously past due date/assigned to attorney, collection agency, or credit grantor's internal collection department
4EmblemCredit CardOpen$27.0012/01/2008$819.00Revolving$841.00$832.00
Current
5Fidelity National CollectionsCollection Department/Agency/AttorneyClosed
07/01/2010$60.001 Month

$60.00Seriously past due date/assigned to attorney, collection agency, or credit grantor's internal collection department
6First Federal Credit ControlCollection Department/Agency/AttorneyClosed
07/01/2009$492.001 Month

$492.00Seriously past due date/assigned to attorney, collection agency, or credit grantor's internal collection department
7First Federal Credit ControlCollection Department/Agency/AttorneyClosed
10/01/2008$21.001 Month

$21.00Seriously past due date/assigned to attorney, collection agency, or credit grantor's internal collection department
8First Federal Credit ControlCollection Department/Agency/AttorneyClosed
07/01/2006$20.001 Month

$20.00Seriously past due date/assigned to attorney, collection agency, or credit grantor's internal collection department
9First Federal Credit ControlCollection Department/Agency/AttorneyClosed
07/01/2006$157.001 Month

$157.00Seriously past due date/assigned to attorney, collection agency, or credit grantor's internal collection department
Message 11 of 17
0 Kudos
Anonymous
Not applicable
‎01-05-2012 08:28 AM
‎01-05-2012 08:28 AM

Re: New to the MyFICO Forums.

10First Federal Credit ControlCollection Department/Agency/AttorneyClosed
06/01/2007$20.001 Month

$20.00Seriously past due date/assigned to attorney, collection agency, or credit grantor's internal collection department
11First Federal Credit ControlCollection Department/Agency/AttorneyClosed
10/01/2008
1 Month


Paid, was a collection account, insurance claim or government claim or was terminated for default
12First Premier BankCredit CardOpen$30.0001/01/2011$276.00Revolving$307.00$300.00
Current
13HSBC Bank (Orchard Bank)Credit CardOpen$25.0010/01/2011$281.00Revolving$299.00$300.00
Current
14Prompt Recovery ServicesCollection Department/Agency/AttorneyClosed
07/01/2009$101.001 Month

$101.00Seriously past due date/assigned to attorney, collection agency, or credit grantor's internal collection department
15US BankSecured Credit CardOpen$39.0012/01/2008$488.00Revolving$509.00$500.00
Current
16US Department of EducationEducation LoanClosed
04/01/2010
120 Months


Account Transferred to Another OfficeStudent Loan - Payment Deferred (Stopped Reporting with Social Security Number - Going to start reporting with account number)
17Verizon Wireless/Great LakesTelecommunications / CellularClosed
04/01/2009$271.001 Month$271.00
$271.00Seriously past due date/assigned to attorney, collection agency, or credit grantor's internal collection department
18Verizon Wireless/Great LakesTelecommunications / CellularClosed
05/01/2009$1,137.001 Month$1,137.00
$1,137.00Seriously past due date/assigned to attorney, collection agency, or credit grantor's internal collection department
Message 12 of 17
0 Kudos
GoodCredBen
Valued Contributor
‎01-05-2012 08:36 AM
‎01-05-2012 08:36 AM

Re: New to the MyFICO Forums.

I would start sending out PFD on all of these.... 

 

Most seem relatively small, attack those first. 

 

EDIT:

 

A PAID COLLECTION AND AN UNPAID COLLECTION REFLECT EXACTLY THE SAME!

 

The only way paying a collection company (without it being deleted) would help you, is if it helped your util %

My credit journey has completed. I am currently sitting at 800+ across the board.

I started my journey here years ago, and thanks to MyFico, it really is possible.
Message 13 of 17
0 Kudos
Anonymous
Not applicable
‎01-05-2012 09:25 AM
‎01-05-2012 09:25 AM

Re: New to the MyFICO Forums.

And then let the judgement take its course? I will get my credit cards paid off and then attack my old debt. If I get my tax refund first I will use that to pay the old debt. And then I have to wait until everything falls off?

Message 14 of 17
0 Kudos
GoodCredBen
Valued Contributor
‎01-05-2012 09:32 AM
‎01-05-2012 09:32 AM

Re: New to the MyFICO Forums.

dont simply pay it.... try a PFD... as far as the judgement, i didnt see it in the list. 

My credit journey has completed. I am currently sitting at 800+ across the board.

I started my journey here years ago, and thanks to MyFico, it really is possible.
Message 15 of 17
0 Kudos
Anonymous
Not applicable
‎01-05-2012 09:42 AM
‎01-05-2012 09:42 AM

Re: New to the MyFICO Forums.

I am sorry for not putting the judgement.    As for the Judgement...I got a letter for Asset Acceptance's in house attorney... It was transfered to them while in garnishment.  As of December 12, 2011  I owe on this $6482.80. not including pending payments via the court.  Can you tell me what the PFD is? So do not pay anyone old until I do this first?  I am getting kind of lost....

Message 16 of 17
0 Kudos
GoodCredBen
Valued Contributor
‎01-05-2012 09:59 AM
‎01-05-2012 09:59 AM

Re: New to the MyFICO Forums.

a PFD (Pay for Deletion) letter is a letter stating that you will pay to have the line item deleted, whether it is settled, or paid in full.

My credit journey has completed. I am currently sitting at 800+ across the board.

I started my journey here years ago, and thanks to MyFico, it really is possible.
Message 17 of 17
0 Kudos
† Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.