myFICO Community Help!

[LS2982]

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@Anonymous wrote:

you did thanks alot. well since these arent that old that means they can still sue. but like many in here said, its not worth me waiting seven years for them to drop off especially if I will be trying to obtain credit prior to then. so just going to pay it and get them deleted. question, lets say I pay next week how will I be able to see if they are off if I already got my annueal report for this year????/ and if they do get deleted does my score really go up like someone mentioned earlier??

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With them being recent your score should* (YMMV) go up significantly.

[proudnavymom]

I cannot speak about if your score will go up or not, as I don't know.    I have read posts on here from other people that sound like they had a written agreement with a creditor to PFD, and as soon as the account was paid it was deleted very quickly.  So far I have only 1 PFD from ProCollect that I paid in December and it has still not been deleted or updated to paid.  When I spoke to them the other day, they said to give them until the end of February to have it reflected on my CR.  They said they reported it to the CRA the 1st of January and sometimes it can take up to 60 days to reflect on a CR.  That seems like a long time to me, but I do have the written agreement, so will give it until the end of February before I contact them again.  

[Anonymous]

thanks everyone. well hopefully mind will be deledted immediately and my score does go up that would definitely be a win win situation

[drkaje]

FWIW,

Having 5+ yr old late payments deleted improved my score.

[Anonymous]

nicee