If your going to negotiate paying a delinquent debt what looks better on CR to get score up the fastest? I've heard paid as agreed is better than just "settled" etc. I have some misc medical that will likely be paid in full and others (DTV, etc) that may be less than full amount. What's the best way to make offer/document to make sure it gets updated per any agreement the debt collector may agree to. Thanks, MAG
None of the above. ANY adverse notation has a similar weight; only deletion changes score. YOU may get some pluses with PAID if someone is doing a manual review of your credit file, but not score.
Hey MAG, I'm curious if you decided to take the PFD route, and if so- how did it turn out for you? Were you able to get the delinquent accounts deleted, and did it help to improve your credit scores? I hope you'll come back and give us all an update on any progress you have made. Cheers!