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Hello team! I am down from 7 collections to one! I have done it kind of! The only collection i have left is LVNV funding for 153 bucks ill pay that eventually.
Whats next? I have a 636 Fico 8 and no way to tell my others but they should all be around that number I'd imagine besides equifax which does not have LVNV on it may be higher.
1. Secured card still - Decided to hold out on the capital one platinum because I want to wait until im around 650 where I may get a better limit I still have my self lender which i am contemplating paying off completely and getting my cash back.
2. Mortgage, I will be going FHA so I am finally eligible for FHA i am hoping to shoot for the loan around December-February!
@Anonymous wrote:Hello team! I am down from 7 collections to one! I have done it kind of! The only collection i have left is LVNV funding for 153 bucks ill pay that eventually.
Whats next? I have a 636 Fico 8 and no way to tell my others but they should all be around that number I'd imagine besides equifax which does not have LVNV on it may be higher.
1. Secured card still - Decided to hold out on the capital one platinum because I want to wait until im around 650 where I may get a better limit I still have my self lender which i am contemplating paying off completely and getting my cash back.
2. Mortgage, I will be going FHA so I am finally eligible for FHA i am hoping to shoot for the loan around December-February!
Congrats @Anonymous
I would not do any apps till that collection is paid. It wont immediately increase your score but it will look prettier to any lender
Great job so far!
Ill just pay it today, It wasn't a money issue i guess i am just a bit bitter that they wont delete it. Ill go ahead and call this terrible collection agency and pay in full.
Ill just pay it today, It wasn't a money issue i guess i am just a bit bitter that they wont delete it. Ill go ahead and call this terrible collection agency and pay in full.
Yeah, they wont delete
It's best to pay and just be done with them forever
@Anonymous wrote:Hello team! I am down from 7 collections to one! I have done it kind of! The only collection i have left is LVNV funding for 153 bucks ill pay that eventually.
Whats next? I have a 636 Fico 8 and no way to tell my others but they should all be around that number I'd imagine besides equifax which does not have LVNV on it may be higher.
1. Secured card still - Decided to hold out on the capital one platinum because I want to wait until im around 650 where I may get a better limit I still have my self lender which i am contemplating paying off completely and getting my cash back.
2. Mortgage, I will be going FHA so I am finally eligible for FHA i am hoping to shoot for the loan around December-February!
Fantastic news, and great job.
I've paid all of mine, just waiting for the deletes (portfolio and midland). Once you pay LVNV, it will be like a huge chip off your shoulders
Website allows for me to settle without even calling them, Is it worth settling? 40% off
No point in settling since it wont be deleted
Save a bit of money with the settle though, So you recommend just paying in full?
Yeah but your getting a mortgage and there is no telling how settling such a small debt would look to them.