Please offer guidance on steps I should do PFD

[Takncharge]

Hello,

I have a few negative accounts that I am hindering my personal growth. I just underwent a divorce, and looking to restart my life. A little background I recently graduated college and have my first big girl job. I am looking to purchase a home for my kids and me. My credit is really hindering that right now. My current Fico is 592, I was in the 400s last year so it is definitely an improvement. Now I want to be in the 700s. 

These are the very negative accounts I have in the collection and would like to do PFD (about two years old): 

RAY AND FLAN owe $627 - 

Collection: Midland Credit Management owe $389 it's an Ulta collection 

Midland Credit Management owes $2,030 CB/WAYFAIR

Ulta is also showing as a negative on my account although it is sold off. 

Navy Federal owes $14,984 any luck on PFD? 

I do not have many inquiries since I knew I wouldn't be accepted. I have a Discover card that graduated to unsecured after 2 years, and an unsecured capital one, as well as an installment loan. I keep my balance under 10%. 

[simplegirl]

NFCU will not do PFD but the Midland will delete off the CRA automatically. I know that from personal experience 

[GZG]

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@simplegirl wrote:

 but the Midland will delete off the CRA automatically. I know that from personal experience 

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this, it's their policy to delete when settled 

https://www.midlandcredit.com/help-center/faqs/ 

[FireMedic1]

Great advise. CO's wont go anywhere. If you can pay NFCU back. You can get back in. I'll just say get util down to 6%. It will all have to be paid for the best rates with the scores you end up with in a year or so. Lenders like no past debts.

[Takncharge]

Unfortunately, I cannot pay in full, not any time soon but I'd be willing to pay a percentage of it to get rid of it. 

[FireMedic1]

Has NFCU been charged off? If it is a CO. You can see what they'll take to settle the account. Then it will be $0 balance.