Well, just wanted to say thank you to everyone that offers their experiences and expertise on this forum. I have learned a tremendous amount from you guys!
I paid off my last 2 collections last month, ERC 418$ and PMAB LLC 1182$. Pmab deleted it for me and ERC, of course they refused to delete, but at least it shows paid. Better than nothing. I'm just excited cause I have brought up my score almost 150 points since I started my rebuild last April and I wanted to share, fico 8's: Tu- 667 Eq 666 and EX 672. Patience is key! you may want to pull your hair out somewhere along the process but if you just stick to these forums, it'll calm you down and you will figure things out. We are now about to close on our house at the end of this month and I couldn't be happier! Luckily my mortgage scores are in the 680's so we kinda got a decent rate! Anyway, thank you again!