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I had a Portfolio Recovery from 2014 for a $300 Capital One CC I dropped when life threw me under the bus. Anyway was over 700 after two years working on score and this hits. I tried fighting Portfolio but they mailed me the proof.
Anyway, I am doing much better now and would like to go back above 700. Should I ask in writing for a pay for delete or make an offer on the debt for it to show as paid?
I concur... I paid my Portfolio Recovery (Capital One) collections a few months ago. I called and simplely paid in full. I didn't ask for a PFD. It orginally staid on my credit as a paid collections for a few months, and then disappreaded altogether from all of my credit reports. I don't recall seeing much of a difference in my FICO scores afterwards though...