I've just settled a collection account with Asset Acceptance and I noticed the amount has been updated to $0 this morning on my CR. Now I want to get the collection off. I plan to buy a house next summer so I would like to get rid of it by the end of the year so my score can have about 6 months to grow.
The collection is with Asset Acceptance like I mentioned, the OC is Wells Fargo.
1) Do I send out good will to the both of them at the same time or do I try Asset first, then WF after?
2) What angle has worked best for people who have had GW success. The only thing I have with Asset is that I was cooperative when they called to collect and paid promptly. I have a bit more of a relationship with WF, customer since 2005, have my auto loan with them and move about $5000 average monthly through them.
3) Are my timelines realistic? Can I be succesful in the next 3 months and is 6 months enough time for my score to pick-up? I have no other baddies and have never missed a payment on any other account except this one. My current scores are EX:666, EQ:675 and TU:658. I just got these here on myfico today.
Thanks in advance
Starting Score: MyCreditKeeper - EX:613 EQ:597 TU:640; PSECU EX:629; Walmart TU:631
Both are reporting...the OC lists as a closed account with $0 and comments that is was charged off. The CA lists separately and is also now showing $0
Just an update in case this helps anyone, I decided to go with Lexington law and signed up for their Concorde premier service, I signed up with them on 9/20, and as of 10/22, asset acceptance has been removed from my CR 
Fingers crossed the WF account can be deleted soon too.
Can you PM me pricing for LL?
@babablue wrote:Just an update in case this helps anyone, I decided to go with Lexington law and signed up for their Concorde premier service, I signed up with them on 9/20, and as of 10/22, asset acceptance has been removed from my CR
012019 Fico8/Mortgage Score: 
