I'm trying to refi at a low interest rate, my credit was pulled and my scores plummeted from 680-690 to 623 and 631! I was shocked. Collections NCO Financial- Progressive insurance $133.96. I asked NCO if they would consider removing if I paid, very nasty No! I even had the rep from progressive call and no luck. NCO got it 9/07 and reported in 3/07 with Trans and 5/08 with EXP. I thought because it was such a small amount they would work with me, no such luck. Is it better to pay and have it listed as paid because it is so new? will that increase my score a little? Any advice would be helpful.
