I had 2 capital accounts that were charged off about a year ago. I PFB'd yesterday and he called this morning. I got the same settlement other people around here have mentioned. I got payment at $650 for $1,405 in past due amounts. He agreed to change the r9/chargeoff to r5 with a settled notation. Does anyone know the scoring difference between an r9 and an r5? I know when I had this in dispute with Equifax, the 2 accounts were worth 55 extra points on my score. Can I assume my score will now go up 20-25 points?
